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  • Cecilia Whitfield
  • fourfrontestates
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  • #1

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Created Jun 19, 2025 by Cecilia Whitfield@ceciliawhitfieMaintainer

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


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

And to the common eye, Lloyd looks 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 authorities came down on their driveway to raid the couple's St Helens home.

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

Lloyd, 58, cried 'Oh my god' as she was imprisoned today over a string of untruths including using a dead woman's identity, making up 'phony' medical conditions for her child, and developing pseudonyms to work while claiming carers allowance.

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

While the couple handled to siphon off their ill-gotten gains for years - neighbours have exposed to MailOnline the obvious hints that the couple were running a rip-off.

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

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

Phillips visualized 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 very 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 washing his BMW, driving, and even playing a DJ set for their street celebration for the late Queen's Diamond Jubilee.

Locals likewise informed 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 leave to on the weekends.

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

When neighbours saw them loading up among their 2 automobiles 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 keeping his automobiles in the driveway before he took a long period of time to get to his carer's car on his strolling stick.

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

'And he did a DJ set for the Queen's Jubilee celebration 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 state a lot to people.

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

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

Phillips had actually fraudulently claimed ₤ 100k in PIP, housing benefits, work assistance allowance and council tax decreases that he was not eligible for. 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 police raid secret rural street, neighbours were entrusted to questions as to why the couple had actually been arrested - and some allege Lloyd had later told them it was down to pet breeding.

But these concerns were lastly put to rest on Tuesday when the court heard how Lloyd had claimed an overall of ₤ 169,394.15 which she was not qualified for in housing benefits, carers allowance and individual independence payments over the course of 11-and-a-half years.

With the aid of Lloyd, Phillips was likewise found to have illegally declared ₤ 100,980.71 through PIP, housing advantages, work assistance allowance and council tax decreases since 2018.

Olivia Beesley, prosecuting, detailed how the mom's intricate fraud started when she falsely began claiming housing advantages for a caravan on Riverside Walk in Southport - which was discovered to be a 'fictitious address'.

She even made a fake tenancy agreement for the 'completely fictitious caravan', ultimately swiping ₤ 71,597.16 from Lancashire Borough Council in relation to the non-existent house.

Then in 2018, she started making deceitful claims that her other half required 'multiple everyday carers to participate in to his requirements'. She went as far as using Phillips' sibling Zoe's birth certificate to present as 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, but was discovered to have been working under a false identity Wendy Lloyd at care company Hand in Hand Homecare, and under another pseudonym Angela Valentine at a Tesco.

In 2022, she started creating 'false medical conditions' for her kid, claiming she had actually a carer called Joyce Bibby - a dead female's identity. Nearly ₤ 10k in incorrect special needs living allowance overpayments were declared 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 area that she never ever exposed, and would state they were going to remain at the caravan from Thursday to Sunday
queercomputerclub.ca
One neighbour stated they saw the couple packing up on of their cars previously today and presumed they were going off to their 'caravan', only to later learn they were off to jail

When MailOnline went to Phillips' address in Birch Gardens which he shared with Lloyd, neighbours exposed how the couple and her kid would apparently 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 undoubtedly a separate, real caravan.

Leni Newton, 63, stated: 'She informed individuals that the cops raid was due to the fact that somebody had actually informed on her for breeding border collie pups without a licence.
altcancer.net
'I'm shocked they've been jailed. I thought they were all above board.

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

She included: 'I understand they satisfied as she was his carer. He was married however Angela relocated. I thought she had lived in Southport.

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

'She was clearly spying on them.'

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

'There were a great deal of authorities came here.

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

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

A representative stated: 'We sacked her instantly when we found out the reality.

'All her DBS and recommendations took a look at. The police said we had actually not done anything incorrect.'

The court heard how Phillips also scammed cash from the general public bag by stopping working 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 decreases.

He is also stated to have 'exaggerated' his medical conditions and require for care, stating that he was not able to do anything for himself.

He declared himself 'unfit for work' and stopped working to discuss his wife's wage - unlawfully filching ₤ 51k in employment 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 'intricate recent history' of mental health and specials needs including neurological condition, stress and anxiety and anxiety.

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

While Phillips had no previous convictions associating with comparable matters, nevertheless Lloyd's criminal record shows 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 fraud by false representation, and Phillips was also seen wiping back tears as he was jailed for 20 months for scams by incorrect representation and 3 counts of dishonestly failing to disclose details to make a gain.

Sentencing, Judge Simon Medland KC said: 'Over an 11-year period, or more than that, you, Angela Lloyd, handled to defraud the public of just short 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 seek to defraud the public of limited and valuable advantages which need to be directed to those who need them, not those who merely want to have them for factors of personal greed, that is a serious offence committed by each of you over a long duration of time.'

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