How Ordinary Housewife however Was Running Secret ₤ 270k Benefits Scam
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There is absolutely nothing from another location uncommon about Angela Lloyd and Lee Phillips' semi-detached house on a peaceful cul-de-sac in Merseyside.
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And to the common eye, Lloyd appears like a normal middle-aged mum who works tirelessly to care for her ill husband.
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So it was to the sheer shock of neighbours when authorities came down on their driveway to rob the couple's St Helens home.

Hiding behind the family's net curtains remained in fact 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 today over a string of untruths consisting of utilizing a dead woman's identity, making up 'fake' medical conditions for her child, and creating pseudonyms to work while claiming carers allowance.

Husband Phillips, 54, was likewise jailed after the pair's massive benefits scams was finally exposed.

While the couple managed to siphon off their ill-gotten gains for years - neighbours have actually exposed to MailOnline the obvious clues 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 uncovered a web of lies consisting of the development of pseudonyms to declare advantages

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

Phillips imagined in an Assistance for Heroes hoodie during a street celebration held for the late Queen's Diamond Jubilee. He is said to have actually played a DJ set at the occasion

Initially, neighbours on Birch Gardens were fretted for the couple after Phillips was seen looking very frail as he would 'hobble' on his strolling adhere to satisfy his carers.

But they were then left puzzled when he was at other times identified washing 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 'always something dodgy' about Lloyd, and that she would never 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 benefits over a decade, and also helped Phillips incorrectly claim advantages worth ₤ 100,000, as reported by the Liverpool Echo.

When neighbours saw them packing up among their two vehicles previously today, they thought 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 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 very long time to get to his carer's automobile on his walking stick.

'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 celebration back in 2022. He had all the speakers out and whatever.

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

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

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

Phillips had fraudulently declared ₤ 100k in PIP, housing benefits, employment assistance allowance and council tax decreases that he was not eligible for. Neighbours informed of how he would look 'frail' and 'hobble on a strolling stick' in the existence of carers, but at other times was seen 'walking fine'

Following the cops raid secret rural street, neighbours were entrusted questions regarding why the couple had been arrested - and some allege Lloyd had later told them it was down to pet dog breeding.

But these concerns were finally laid to rest on Tuesday when the court heard how Lloyd had actually declared a total of ₤ 169,394.15 which she was not received in housing benefits, carers allowance and personal self-reliance payments over the course of 11-and-a-half years.

With the aid of Lloyd, Phillips was likewise found to have actually unlawfully claimed ₤ 100,980.71 through PIP, housing benefits, work support allowance and council tax decreases given that 2018.

Olivia Beesley, prosecuting, described how the mom's sophisticated scam started when she falsely started declaring housing advantages for a caravan on Riverside Walk in Southport - which was found to be a 'fictitious address'.

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

Then in 2018, she began making deceptive claims that her spouse required 'several day-to-day carers to take care of his needs'. She went as far as utilizing Phillips' sis Zoe's birth certificate to pose as his brother or sister and claim that she was his main carer.

She also lied that she was not able to work due to being a full-time carer, however was discovered to have actually 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 began creating 'false 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 declared in relation to this.

She again utilized the departed lady's name as being her social employee to claim ₤ 13,526.70 of PIP, mentioning that she needed 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 remain at the caravan from Thursday to Sunday

One neighbour stated they saw the couple packing up on of their cars and trucks earlier this week and assumed they were going off to their 'caravan', just to later on learn they were off to prison

When MailOnline went to 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 transpired to have never existed, or a certainly a separate, real caravan.

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

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

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

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

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

'She was certainly 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 but other times he did appear really frail.'

Hand in Hand homecare agency validated 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 immediately when we learnt the reality.

'All her DBS and recommendations had a look at. The authorities said we had not done anything wrong.'

The court heard how Phillips also scammed cash from the public purse by stopping working to disclose the truth that Lloyd had moved into his home in 2018 - permitting 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, 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 taking ₤ 51k in employment support allowance.

However, Phillips declared that Lloyd had finished the kind and had simply '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, anxiety and depression.

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 comparable matters, however Lloyd's criminal record reveals previous for theft and dishonesty offenses dating as far back as the 1980s - though her last look remained in 2012.

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

Sentencing, Judge Simon Medland KC said: 'Over an 11-year period, or more than that, you, Angela Lloyd, managed to defraud the general public of just 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 annually which you defrauded from the general public.

'For those who seek to defraud the general public of limited and valuable benefits which require to be directed to those who require them, not those who simply want to have them for factors of individual greed, that is a serious offence dedicated by each of you over an extended period of time.'