1 How Ordinary Housewife but Was Running Secret ₤ 270k Benefits Scam
Emily Badillo edited this page 2025-11-02 18:36:52 +08:00


There is absolutely nothing from another location out of the common about Angela Lloyd and Lee Phillips' semi-detached house on a peaceful cul-de-sac in Merseyside.

And to the common eye, Lloyd appears like a regular middle-aged mum who works tirelessly to look after her ill spouse.

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

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

Lloyd, 58, sobbed 'Oh my god' as she was jailed this week over a string of untruths including using a dead female's identity, comprising 'phony' medical conditions for her boy, and developing pseudonyms to work while claiming carers allowance.

Husband Phillips, 54, was likewise jailed after the pair's enormous benefits fraud was lastly exposed.

While the couple managed to siphon off their ill-gotten gains for years - neighbours have exposed to MailOnline the obvious clues that the couple were running a scam.

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 creation of pseudonyms to declare benefits

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

Phillips visualized in a Help for Heroes hoodie during a street party held for the late Queen's Diamond Jubilee. He is said to have actually played a DJ set at the event

Initially, neighbours on Birch Gardens were fretted for the couple after Phillips was seen looking really frail as he would 'hobble' on his walking stay with meet his carers.

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

Locals also told of how there was 'constantly something dodgy' about Lloyd, and that she would never ever look people 'in the eye', but would boast about 'secret ₤ 60k caravan' they would escape to on the weekends.

Lloyd was sentenced to 2 years after Liverpool Crown Court discovered she fraudulently swiped almost ₤ 170,000 in advantages over a decade, and also helped Phillips wrongly claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them packing up among their two automobiles earlier this week, they believed they were going off to remain at their secret caravan, just to find they were going to jail.

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

'He was shuffling along and keeping his automobiles in the driveway before he took a long time to get to his carer's vehicle on his strolling stick.

'But the next thing I saw him cleaning his BMW in the driveway - he appeared 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 police raid, they ended up being more reserved and didn't state a lot to people.

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

'They would take her teenage son and go away on a Thursday night and not get home until Sunday.'

Phillips had fraudulently declared ₤ 100k in PIP, housing advantages, work support allowance and council tax reductions that he was not eligible for. Neighbours told of how he would look 'frail' and 'hobble on a strolling stick' in the existence of carers, however at other times was seen 'strolling great'

Following the authorities raid secret rural street, neighbours were left with concerns as to why the couple had actually been jailed - and some declare Lloyd had later told them it was down to pet dog breeding.

But these questions were lastly laid to rest on Tuesday when the court heard how Lloyd had actually declared an overall of ₤ 169,394.15 which she was not received in housing advantages, carers allowance and individual independence payments throughout 11-and-a-half years.

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

Olivia Beesley, prosecuting, detailed how the mom's sophisticated scam began 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 tenancy arrangement for the 'completely fictitious caravan', eventually taking ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent residence.

Then in 2018, she began making fraudulent claims that her spouse needed 'numerous day-to-day carers to participate in to his requirements'. She went as far as using Phillips' sis Zoe's birth certificate to impersonate his sibling and claim that she was his main carer.

She likewise lied that she was unable to work due to being a full-time carer, however was discovered 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 creating 'incorrect medical conditions' for her kid, declaring she had a carer called Joyce Bibby - a dead female's identity. Nearly ₤ 10k in false impairment living allowance overpayments were claimed in relation to this.

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

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

One neighbour said they saw the couple loading up on of their cars and trucks previously this week and presumed they were going off to their 'caravan', just to later on learn they were off to prison

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

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

Leni Newton, 63, said: 'She informed individuals that the cops raid was due to the fact that someone had told on her for breeding border collie puppies without a licence.

'I'm shocked they have actually been imprisoned. I believed they were all above board.

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

She included: 'I know they fulfilled as she was his carer. He was wed however Angela moved in. I believed she had actually lived 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 huge surprise they seemed to be living a double life.

'There were a great deal of police came here.

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

Hand in Hand homecare firm validated to MailOnline that Lloyd had authentic recommendations, DBS checks and training certificates in the name of Wendy Lloyd.

A representative stated: 'We sacked her right away when we learnt the reality.

'All her DBS and referrals took a look at. The police stated we had done absolutely nothing incorrect.'

The court heard how Phillips also tricked money from the public purse by stopping working to reveal the fact that Lloyd had actually moved into his home in 2018 - enabling him to continue declaring more than ₤ 13k in housing benefits and ₤ 2.2 k in council tax decreases.

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

He stated himself 'unfit for work' and failed to mention his partner's wage - unlawfully swiping ₤ 51k in work support allowance.

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

Phillips' counsel Jim Smith argued he has a 'complex current history' of psychological health and impairments consisting of neurological condition, anxiety and depression.

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

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

Lloyd was jailed for 2 years after admitting seven counts of fraud by incorrect representation, and Phillips was also seen cleaning back tears as he was jailed for 20 months for fraud by incorrect representation and three counts of dishonestly failing to disclose info to make a gain.

Sentencing, Judge Simon Medland KC said: 'Over an 11-year duration, or more than that, you, Angela Lloyd, handled to defraud the public of simply except ₤ 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 seek to defraud the general public of limited and valuable advantages which need to be directed to those who require them, not those who just want to have them for reasons of personal greed, that is a serious offense dedicated by each of you over an extended period of time.'