1 How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
Howard Steinfeld edited this page 2025-06-19 08:54:01 +08:00


There is nothing remotely unusual about Angela Lloyd and Lee Phillips' semi-detached house on a quiet cul-de-sac in Merseyside.

And to the common eye, Lloyd appears like a regular middle-aged mum who works relentlessly to take care of her ill partner.

So it was to the large shock of neighbours when cops came down on their driveway to rob the couple's St Helens home.

Hiding behind the family's net drapes remained in fact a decade-long web of lies which saw Lloyd and Phillips pocket ₤ 270k in taxpayer cash.

Lloyd, 58, wept 'Oh my god' as she was imprisoned today over a string of untruths including utilizing a dead female's identity, making up 'fake' medical conditions for her boy, and producing pseudonyms to work while declaring carers allowance.

Husband Phillips, 54, was also imprisoned after the pair's enormous benefits scams was finally exposed.

While the couple managed to siphon off their ill-gotten gains for years - neighbours have actually revealed to MailOnline the obvious ideas that the couple were running a rip-off.

Angela Lloyd defrauded the taxpayer of ₤ 170k over a period of 11-and-a-half years. Detectives discovered a web of lies consisting of the development of pseudonyms to declare benefits

The scammer next door: The presuming semi-detached home Lloyd had moved into with Phillips. Phillips had actually stopped working to reveal this to the council when she relocated in 2018

Phillips envisioned in an Assistance for Heroes hoodie throughout a street celebration held for the late Queen's Diamond Jubilee. He is said to have played a DJ set at the occasion
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Initially, neighbours on Birch Gardens were fretted for the couple after Phillips was seen looking extremely frail as he would 'hobble' on his strolling adhere to fulfill his carers.

But they were then left puzzled when he was at other times identified cleaning his BMW, driving, and even playing a DJ set for their street party for the late Queen's Diamond Jubilee.

Locals likewise informed of how there was 'constantly something dodgy' about Lloyd, which she would never ever look individuals 'in the eye', however would boast about 'secret ₤ 60k caravan' they would escape to on the weekends.

Lloyd was sentenced to two years after Liverpool Crown Court discovered she fraudulently pocketed nearly ₤ 170,000 in benefits over a years, and also helped Phillips wrongly declare advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them loading up among their two automobiles previously today, they believed they were going off to remain at their secret caravan, only to find they were going to prison.

One neighbour told MailOnline of the couple: 'I believed they were dodgy as he made a real program of not being able to walk whenever his carers were here.

'He was shuffling along and keeping his cars and trucks in the driveway before he took a long period of time to get to his carer's vehicle on his walking stick.

'But the next thing I saw him washing his BMW in the driveway - he appeared to be walking great then.

'And he did a DJ set for the Queen's Jubilee party back in 2022. He had all the speakers out and whatever.

'But after the police raid, they became more reserved and didn't say a lot to individuals.

'There was constantly something dodgy about her - she would not look individuals in the eye and bragged about going to her ₤ 60,000 caravan however would never say where it was.

'They would take her teenage child and disappear on a Thursday night and not come home till Sunday.'

Phillips had actually fraudulently claimed ₤ 100k in PIP, housing advantages, employment support allowance and council tax decreases that he was not eligible for. Neighbours told of how he would look 'frail' and 'hobble on a walking stick' in the existence of carers, but at other times was seen 'walking great'

Following the authorities raid secret suburban street, neighbours were left with concerns regarding why the couple had actually been apprehended - and some allege Lloyd had later told them it was down to pet dog breeding.
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But these concerns were lastly put to rest on Tuesday when the court heard how Lloyd had declared an overall of ₤ 169,394.15 which she was not received in housing advantages, carers allowance and personal self-reliance payments throughout 11-and-a-half years.

With the help of Lloyd, Phillips was also discovered to have actually illegally declared ₤ 100,980.71 through PIP, housing advantages, work support allowance and council tax decreases because 2018.

Olivia Beesley, prosecuting, laid out how the mother's sophisticated fraud started when she wrongly started claiming housing benefits for a caravan on Riverside Walk in Southport - which was discovered to be a 'fictitious address'.

She even made a fake occupancy agreement for the 'entirely fictitious caravan', ultimately pocketing ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent home.

Then in 2018, she started making deceitful claims that her other half required 'several daily carers to address his requirements'. She went as far as utilizing Phillips' sis Zoe's birth certificate to impersonate his sibling and claim that she was his main carer.

She likewise lied that she was not able to work due to being a full-time carer, however was found to have been working under an incorrect identity Wendy Lloyd at care company Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.

In 2022, she began inventing 'false medical conditions' for her child, declaring she had a carer called Joyce Bibby - a dead female's identity. Nearly ₤ 10k in false impairment living allowance overpayments were declared in relation to this.

She once again used the departed female's name as being her social worker to claim ₤ 13,526.70 of PIP, specifying that she needed carers due to 'health conditions'.

Neighbours informed of how Lloyd would boast about a '₤ 60k caravan' in a secret location that she never revealed, and would state they were going to remain at the caravan from Thursday to Sunday

One neighbour said they saw the couple loading up on of their vehicles earlier this week and assumed they were going off to their 'caravan', only to later find out they were off to jail

When MailOnline checked out Phillips' address in Birch Gardens which he shared with Lloyd, neighbours exposed how the couple and her boy would supposedly go off to a caravan on the weekends.

It is not known whether this was the very same 'fictitious caravan' which took place to have actually never ever existed, or an indeed a separate, real caravan.

Leni Newton, 63, stated: 'She informed people that the police raid was because somebody had told on her for breeding border collie pups without a licence.

'I'm stunned they've been imprisoned. I thought they were all above board.

'I only saw them a few days ago leaving suitcases - I believed they were just going to their caravan.'

She added: 'I understand they fulfilled as she was his carer. He was wed but Angela relocated. I thought she had actually lived in Southport.

'I did see his ex-wife parked up in the street viewing his home when they split.

'She was undoubtedly spying on them.'

Her partner David Manchester, 70, said: 'It's a huge surprise they appeared to be living a double life.

'There were a great deal of cops came here.

'He was at the street party for the Queen but other times he did seem very frail.'

Hand in Hand homecare company verified to MailOnline that Lloyd had bona fide references, DBS checks and training certificates in the name of Wendy Lloyd.

A spokesperson stated: 'We sacked her right away when we discovered out the truth.

'All her DBS and references examined out. The police said we had actually done nothing wrong.'

The court heard how Phillips likewise defrauded money from the general public handbag by stopping working to disclose the reality that Lloyd had actually moved into his home in 2018 - enabling him to continue claiming more than ₤ 13k in housing advantages and ₤ 2.2 k in council tax reductions.

He is likewise said to have 'overemphasized' his medical conditions and need for care, mentioning that he was not able to do anything for himself.

He declared himself 'unsuited for work' and stopped working to mention his - illegally stealing ₤ 51k in employment support allowance.

However, Phillips alleged that Lloyd had actually completed the type and had simply 'asked him to sign it'.

Phillips' counsel Jim Smith argued he has a 'complex recent history' of mental health and impairments including neurological condition, anxiety and depression.

He was also stated to have a pacemaker fitted and appeared in court in a wheelchair.

While Phillips had no previous convictions associating with comparable matters, however Lloyd's criminal record reveals previous entries for theft and dishonesty offenses dating as far back as the 1980s - though her last look was in 2012.

Lloyd was imprisoned for 2 years after admitting seven counts of scams by false representation, and Phillips was likewise seen wiping back tears as he was jailed for 20 months for fraud by incorrect representation and 3 counts of dishonestly stopping working to reveal information to make a gain.

Sentencing, Judge Simon Medland KC stated: 'Over an 11-year duration, or more than that, you, Angela Lloyd, managed to defraud the public of just except ₤ 170,000 and you, Lee Phillips, of about ₤ 100,000. In your case, Mr Phillips, over a five-year duration, you had about ₤ 20,000 per year which you defrauded from the public.

'For those who seek to defraud the public of limited and valuable benefits which need to be directed to those who need them, not those who merely wish to have them for reasons of personal greed, that is a severe offense committed by each of you over a long period of time.'