How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
Melodee Lloyd edited this page 2 weeks ago


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

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

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

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

Lloyd, 58, wept 'Oh my god' as she was imprisoned today over a string of untruths consisting of using a dead female's identity, comprising 'bogus' medical conditions for her kid, and producing pseudonyms to work while claiming carers allowance.

Phillips, 54, was likewise jailed after the pair's huge benefits scams was lastly exposed.

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

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

The scammer next door: The presuming semi-detached house Lloyd had actually moved into with Phillips. Phillips had actually failed to divulge this to the council when she moved in in 2018

Phillips pictured in an Assistance for Heroes hoodie throughout a street celebration held for the late Queen's Diamond Jubilee. He is stated to have actually played a DJ set at the event

Initially, neighbours on Birch Gardens were stressed for the couple after Phillips was seen looking really frail as he would 'hobble' on his strolling adhere to meet 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, and that she would never ever look people '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 found she fraudulently took nearly ₤ 170,000 in benefits over a years, and also assisted Phillips incorrectly declare advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them leaving one of their 2 cars and trucks previously today, they believed they were going off to stay at their secret caravan, just to discover they were going to prison.

One neighbour told MailOnline of the couple: 'I thought they were dodgy as he made a genuine show of not having the ability to walk whenever his carers were here.

'He was shuffling along and holding onto his automobiles in the driveway before he took a long period of time to get to his carer's cars and truck on his walking stick.
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'But the next thing I saw him cleaning his BMW in the driveway - he seemed to be walking fine then.

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

'But after the authorities raid, they ended up being more reserved and didn't say a lot to individuals.

'There was always something dodgy about her - she would not look people in the eye and extolled going to her ₤ 60,000 caravan but would never state where it was.

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

Phillips had actually fraudulently claimed ₤ 100k in PIP, housing advantages, work assistance allowance and council tax reductions that he was not qualified for. Neighbours told of how he would look 'frail' and 'hobble on a walking stick' in the presence of carers, however at other times was seen 'walking great'

Following the authorities raid on the quiet suburban street, neighbours were left with questions as to why the couple had been detained - and some declare Lloyd had later told them it was down to dog breeding.

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 gotten approved for in housing benefits, carers allowance and personal self-reliance payments throughout 11-and-a-half years.

With the aid of Lloyd, Phillips was also found to have actually unlawfully declared ₤ 100,980.71 through PIP, housing advantages, work assistance allowance and council tax decreases given that 2018.

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

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

Then in 2018, she started making deceptive claims that her spouse needed 'numerous daily carers to take care of his requirements'. She reached using Phillips' sister Zoe's birth certificate to posture as 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, but was found to have been working under an incorrect identity Wendy Lloyd at care business Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.

In 2022, she started creating 'incorrect medical conditions' for her kid, claiming she had actually a carer called Joyce Bibby - a dead woman's identity. Nearly ₤ 10k in incorrect impairment living allowance overpayments were claimed in relation to this.

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

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

One neighbour said they saw the couple leaving on of their automobiles earlier today and assumed they were going off to their 'caravan', only to later on discover out they were off to jail

When MailOnline went to Phillips' address in Birch Gardens which he showed Lloyd, neighbours revealed how the couple and her child would supposedly go off to a caravan on the weekends.

It is not understood whether this was the same 'fictitious caravan' which transpired to have never existed, or an indeed a separate, real caravan.

Leni Newton, 63, stated: 'She told people that the cops raid was since somebody had actually informed on her for breeding border collie puppies without a licence.

'I'm shocked they have actually been jailed. I thought they were all above board.

'I just saw them a few days ago loading up luggage - I thought they were just going to their caravan.'

She added: 'I understand they fulfilled as she was his carer. He was wed but Angela moved in. I believed she had resided in Southport.

'I did see his ex-wife parked up in the street seeing his house when they divided.

'She was undoubtedly spying on them.'

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

'There were a great deal of cops came here.

'He was at the street celebration for the Queen however other times he did seem extremely frail.'

Hand in Hand homecare firm validated to MailOnline that Lloyd had authentic referrals, DBS checks and training certificates in the name of Wendy Lloyd.
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A spokesman stated: 'We sacked her right away when we discovered out the reality.

'All her DBS and referrals examined out. The police stated we had actually done absolutely nothing wrong.'

The court heard how Phillips likewise deceived money from the general public handbag by failing to disclose the reality that Lloyd had moved into his home in 2018 - allowing him to continue declaring more than ₤ 13k in housing benefits and ₤ 2.2 k in council tax reductions.

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

He declared himself 'unfit for work' and stopped working to mention his wife's wage - illegally taking ₤ 51k in employment assistance allowance.

However, Phillips declared that Lloyd had actually finished the kind and had just 'asked him to sign it'.

Phillips' counsel Jim Smith argued he has a 'complex recent history' of psychological health and disabilities including neurological disorder, anxiety and anxiety.

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

While Phillips had no previous convictions connecting to similar matters, nevertheless Lloyd's criminal record reveals previous entries for theft and dishonesty offenses dating as far back as the 1980s - though her last look remained in 2012.

Lloyd was imprisoned for two years after confessing seven counts of fraud by false representation, and Phillips was also seen wiping back tears as he was jailed for 20 months for scams by false representation and three counts of dishonestly stopping working to divulge info to make a gain.

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

'For those who look for to defraud the public of limited and valuable benefits which require to be directed to those who need them, not those who simply want to have them for reasons of individual greed, that is a serious offense committed by each of you over a long duration of time.'