Mum used a dead woman's name to claim extra benefits worth nearly £170k

ANGELA LLOYD SHOUTED 'OH MY GOD' AS HER WEB OF LIES WERE EXPOSED. 07:16, 05 Jun 2025Updated 07:28, 05 Jun 2025 A woman has been jailed for two years after ten years of committing

fraud that saw her inventing medical conditions and using three different names to claim benefits fraudulently. Angela Lloyd gained nearly £170,000 since 2012 as she lied about her job at

Tesco, a caravan that never existed and fake medical conditions that she falsely claimed her son had. Lloyd, a part-time care worker also made up pseudonyms as well as using the identity of

a dead woman as part of her con. Her partner, Lee Phillips, wrongly gained a further £100,000 from the deceit. A judge told the Merseyside couple that they acted "for reasons of

personal greed" while carrying out a "substantial and determined fraud on the public purse." _Don’t miss a court report by signing up__ __to our crime newsletter here_ On

Tuesday, May 27, Liverpool Crown Court heard that Lloyd claimed a total of £169,394.15 in housing benefit, personal independence payments and carers allowance that she was not entitled to

over the span of 11-and-a-half years. The Liverpool Echo reported that Phillips claimed £100,980.71 in false claims for employment support allowance, PIP, housing benefit and council tax

reduction over around five-and-a-half years since April 2018. Prosecuting, Olivia Beesley, described how Lloyd's con started in February 2012, when she started to claim housing benefits

from West Lancashire Borough Council in relation to a caravan on a site at a "fictitious address" of Riverside Walk in Southport. Article continues below The 58-year-old created a

false tenancy agreement or the "entirely fictitious" caravan, allowing her to claim £71,597.16 from the local authority. In 2018 Lloyd began making fraudulent claims in respect of

Phillips to St Helens Borough Council. From this she incorrectly stated that her husband required "multiple daily carers to attend to his needs" and used his sister Zoe

Phillips' birth certificate to pose as the sibling, whom she falsely maintained was his main carer for which claimed she did not have a job because of. Meanwhile, she was working for

care company Hand in Hand Homecare under the pseudonym Wendy Lloyd and at a Tesco store using the name Angela Valentine. In relation to costs for fictitious carers, Lloyd claimed £73,085.29

as well as £753.40 in carers allowance. From January 2022, Lloyd started to "invent false medical condition for her son" and stating that he had a carer called Joyce Bibby, a woman

who had died before the claim was initiated. For this she claimed £9,922.95 in disability living allowance overpayments and personal independence payments of £508.75 in relation to the then

15-year-old boy. She also benefited from £13,526.70 of PIP "on the grounds that she needed carers to help with her daily care due to her health conditions", again naming the

deceased Ms Bibby as her social worker. Lloyd moved into the home of Phillips who failed to disclose this information to the council in St Helens during 2018, leading him to continue to

claim £13,633.67 in housing benefits and £2,246.94 in council tax reductions on the false basis that he was living alone. The 54-year-old was said to have "exaggerated his medical

conditions, caring needs and capabilities", including maintaining that he was "unable to do anything for himself", in order to get PIP overpayments of £32,073.88. Having

declared himself unfit for work and claimed to have no other income, not including his wife's wages, he falsely gained a further £51,397.13 in employment support allowance. Phillips

later alleged that Lloyd "had completed the form for him and had just asked him to sign it". His counsel Jim Smith said on his behalf: "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. "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. 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." Lloyd

has a a series of previous convictions for dishonesty offences and theft dating back to the 1980s, although her last appearance came in 2012. Defending, Jeremy Rawson, told the court:

"Her record, I accept, does not assist her, but it is of some age. "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 admitted a total of seven counts of fraud by false representation. As she was given her sentence of two years in jail, she burst into tears and

cried "oh my god." Phillips pleaded guilty to fraud by false representation and three counts of dishonestly failing to disclose information to make a gain. He too was seen wiping

tears away with a tissue as he was locked up for 20 months. Sentencing, Judge Simon Medland KC said: "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. "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."