How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam

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

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


And to the typical eye, Lloyd appears like a regular middle-aged mum who works tirelessly to take care of her ill hubby.


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


Hiding behind the household's net curtains was 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 jailed this week over a string of untruths including using a dead female's identity, making up 'bogus' medical conditions for her son, and developing pseudonyms to work while claiming carers allowance.


Husband Phillips, 54, was also imprisoned after the pair's massive advantages fraud was finally exposed.


While the couple handled to siphon off their ill-gotten gains for years - neighbours have actually revealed to MailOnline the apparent hints that the couple were running a fraud.


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


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


Phillips pictured in an Aid for Heroes hoodie during 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 fretted for the couple after Phillips was seen looking really frail as he would 'hobble' on his strolling stay with fulfill 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 party for the late Queen's Diamond Jubilee.


Locals also told of how there was 'always something dodgy' about Lloyd, which she would never look people 'in the eye', however 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 nearly ₤ 170,000 in benefits over a decade, and likewise helped Phillips falsely claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.


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


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


'He was shuffling along and holding onto his cars in the driveway before he took a long time to get to his carer's cars and truck 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 whatever.


'But after the authorities raid, they ended up being more reserved and didn't state 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 state where it was.


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


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


Following the authorities raid on the quiet suburban street, neighbours were left with concerns as to why the couple had been jailed - and some declare Lloyd had later informed 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 a total of ₤ 169,394.15 which she was not certified for in housing advantages, carers allowance and personal self-reliance payments throughout 11-and-a-half years.


With the aid of Lloyd, Phillips was also discovered to have illegally declared ₤ 100,980.71 through PIP, housing advantages, employment assistance allowance and council tax decreases considering that 2018.


Olivia Beesley, prosecuting, outlined how the mom's intricate rip-off started when she wrongly started claiming housing benefits for a caravan on Riverside Walk in Southport - which was found to be a 'fictitious address'.


She even made a phony tenancy arrangement for the 'entirely fictitious caravan', eventually taking ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.


Then in 2018, she began making fraudulent claims that her other half needed 'multiple daily carers to participate in to his requirements'. She went as far as utilizing Phillips' sister Zoe's birth certificate to position as his brother or sister and claim that she was his primary carer.


She likewise lied that she was unable to work due to being a full-time carer, but 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 started inventing 'false medical conditions' for her child, claiming she had actually a carer called Joyce Bibby - a dead lady's identity. Nearly ₤ 10k in incorrect special needs living allowance overpayments were declared 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 told of how Lloyd would boast about a '₤ 60k caravan' in a secret location that she never ever exposed, and would state they were going to remain at the caravan from Thursday to Sunday


One neighbour said they saw the couple packing up on of their vehicles earlier today and presumed they were going off to their 'caravan', only to later learn they were off to jail


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


It is not understood whether this was the exact same 'fictitious caravan' which took place to have never existed, or an undoubtedly a different, real caravan.


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


'I'm surprised they have actually been jailed. I believed they were all above board.


'I only saw them a few days ago packing up luggage - I thought they were simply going to their caravan.'


She added: 'I know they satisfied as she was his carer. He was wed but Angela moved in. I thought she had actually resided in Southport.


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


'She was obviously spying on them.'


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


'There were a great deal of authorities came here.


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


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


A spokesperson said: 'We sacked her right away when we learnt the fact.


'All her DBS and referrals checked out. The cops said we had actually done absolutely nothing incorrect.'


The court heard how Phillips likewise deceived money from the general public purse by failing to reveal 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 stated to have actually 'overemphasized' his medical conditions and need for care, specifying that he was unable to do anything for himself.


He stated himself 'unfit for work' and failed to mention his partner's wage - unlawfully swiping ₤ 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 current history' of mental health and impairments including neurological disorder, stress and anxiety and depression.


He was also 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 shows previous entries for theft and dishonesty offences dating as far back as the 1980s - though her last appearance was in 2012.


Lloyd was jailed for 2 years after admitting seven counts of scams by incorrect representation, and Phillips was also seen cleaning back tears as he was jailed for 20 months for scams by incorrect representation and 3 counts of dishonestly failing to divulge details 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 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 scarce and valuable benefits which need to be directed to those who require them, not those who simply want to have them for reasons of individual greed, that is a major offense committed by each of you over an extended period of time.'

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