Pip fraud mum gasps 'oh my god' as £27k web of lies lands her and hubby in jail

ANGELA LLOYD SMEARED UNTRUTHS ACROSS HER LIFE AS SHE MADE FRAUDULENT CLAIMS OVER A 10 YEAR PERIOD - SHE COOKED UP A STRING OF LIES INCLUDING HER ROLE AT TESCO AND A CARAVAN THAT NEVER

EXISTED 09:19, 28 May 2025Updated 09:50, 28 May 2025 A mum gasped "oh my god" as a tangled web of deceit led to her and her husband being put behind bars. Angela Lloyd dishonestly

raked in nearly £170,000 over a decade of deception, spinning a series of lies about her employment at Tesco, a non-existent caravan, and fabricated medical conditions she falsely claimed

her teenage son had. The part-time care worker also invented aliases and exploited a deceased woman's identity as part of a scam that saw her partner Lee Phillips pocket an additional

£100,000 in ill-gotten gains. A judge told them yesterday that they had acted out of "for reasons of personal greed", committing a "substantial and determined fraud on the

public purse". Liverpool Crown Court heard on Tuesday afternoon that Lloyd had claimed a total of £169,394.15 in housing benefit, personal independence payments and carers allowance

over 11-and-a-half years, to which she was not entitled. Meanwhile, Phillips helped himself to £100,980.71 in fraudulent claims for employment support allowance, PIP, housing benefit and

council tax reduction over approximately five-and-a-half years from April 2018 onwards. Olivia Beesley, the prosecutor, detailed how Lloyd's scam first took root in February 2012. She

began claiming housing benefits from West Lancashire Borough Council for a caravan at a "fictitious address" of Riverside Walk in Southport. The 58-year-old even fabricated a

tenancy agreement for the non-existent caravan, managing to defraud £71,597.16 from the local council, reports the Liverpool Echo. Article continues below In 2018, Lloyd started making

fraudulent claims on behalf of Phillips to St Helens Borough Council. She falsely stated that her husband needed "multiple daily carers to attend to his needs", and used his sister

Zoe Phillips' birth certificate to impersonate the sibling, whom she deceitfully claimed was his primary carer. She also alleged that she was unemployed due to her caring

responsibilities for her co-defendant, which she said totalled 35 hours per week. In reality, she was employed by care company Hand in Hand Homecare under the alias Wendy Lloyd and at a

Tesco store using the name Angela Valentine. This deception allowed her to gain £73,085.29 for imaginary carers, as well as £753.40 in carers allowance. From January 2022, Lloyd began to

fabricate medical conditions for her son and claimed that he had a carer named Joyce Bibby, a woman who had passed away before the claim was made. Consequently, she fraudulently obtained

£9,922.95 in disability living allowance overpayments and £508.75 in personal independence payments for her then 15 year old son. Additionally, she received £13,526.70 in PIP payments by

falsely claiming that she required carers for daily assistance due to her health conditions, again citing the deceased Ms Bibby as her social worker. Phillips also failed to inform the

council that Lloyd had moved into his Birch Gardens home in St Helens in 2018, allowing him to continue claiming £13,633.67 in housing benefits and £2,246.94 in council tax reductions under

the false pretence of living alone. Furthermore, the 54 year old was accused of exaggerating his medical conditions, care needs, and capabilities, including claiming he was "unable to

do anything for himself", to receive PIP overpayments of £32,073.88. By declaring himself unfit for work and claiming to have no other income, while omitting his wife's wages, he

falsely obtained a further £51,397.13 in employment support allowance. Phillips later claimed that Lloyd "had completed the form for him and had just asked him to sign it". His

counsel, Jim Smith, stated on his behalf: "It is right to say that, since the figures in relation to overpayments have been calculated, the defendant has been repaying through Universal

Credit deductions. Clearly, he has a substantial amount to repay." The defence counsel described the defendant's complex mental and physical health issues, stating: "The

defendant has a complex recent history of mental health and physical disabilities. He suffers from a functional neurological disorder. He has a pacemaker with a defibrillator fitted. He is a

type two diabetic. He suffers from kidney failure, anxiety and depression." In an appeal for leniency, the counsel continued, "He is in receipt of substantial medication to treat

those conditions and is presently seen by a number of carers who attend to his medication and mobility issues. He appears in court today in a wheelchair." The counsel argued that the

defendant's vulnerability in a custodial setting should be taken into consideration, saying, "It is respectfully submitted that the defendant would be highly vulnerable in a

custodial setting. I would respectfully submit that your honour can draw back from that sanction. "He has no previous like convictions. His original benefits were legitimate from the

outset and became illegitimate following a failure to notify a change of circumstances following involvement with the co-defendant in his life. Clearly, there are vulnerability issues in his

case." The counsel pointed out. "He has no previous like convictions. His original benefits were legitimate from the outset and became illegitimate following a failure to notify a

change of circumstances following involvement with the co-defendant in his life. Clearly, there are vulnerability issues in his case." Representing Lloyd, Jeremy Rawson acknowledged

her string of dishonesty offences and theft convictions from the 1980s to 2012 but downplayed its significance, saying, "Her record, I accept, does not assist her, but it is of some

age." The defence for the accused stressed her remorse, stating: "She accepts full responsibility for what she has done and accepts in her letter to your honour that she does have

to be punished for that. She has personal mitigation. She continues in employment. She is making some repayments. She is working in the caring profession. She has caring responsibilities

with her son." Lloyd faced the consequences of her actions as she admitted to seven counts of fraud by false representation, breaking down in court with an exclamation of "oh my

god" upon receiving a two-year prison sentence. Phillips, who pleaded guilty to fraud by false representation and three counts of dishonestly failing to disclose information for

personal gain, was also visibly emotional, wiping away tears as he received a 20-month sentence. In his sentencing remarks, Judge Simon Medland KC highlighted the severity of their crimes:

"You have both pleaded guilty to a substantial and determined fraud on the public purse. You invented fictitious addresses, used false names, used a dead person's identification

and lied about the extent of [your son's] illness." Judge Medland KC detailed the financial impact of their deceit: "The upshot of that is, over an 11-year period, or more

than that, you, Angela Lloyd, managed 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 per year which you defrauded from the public. In your case, Ms Lloyd, it was just short of £15,000 per year which you defrauded the public by. "In your case, Mr Phillips,

you have nothing relevant by way of antecedents, and the amount that you defrauded is substantially less than that of your co-defendant. In your case, Ms Lloyd, for over 40 years, you have

been committing offences of dishonesty. Article continues below "I acknowledge that your risk of reoffending may be low and that you do not present a threat to the public at large, but

I have to consider punishment and deterrent. "For those who seek to defraud the public of scarce and valuable benefits which need to be directed to those who need them, not those who

simply wish to have them for reasons of personal greed, that is a serious offence committed by each of you over a long period of time."