Scams and fraud

A MANIPULATIVE fraudster who fleeced an elderly woman out of almost £300,000 before fleeing to Tenerife is facing down a six-year prison sentence.

Pamela Gwinnett, 62, continued to steal money from Joan Greene, 89, after the pensioner passed away, treating her as a “cash cow to be milked.”

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Gwinnet claimed she was the grandmother’s carer but isolated frail, vulnerable Joan from her family.

She accused family members of mistreating the widow and did everything she could to keep them away while she fleeced her “golden goose.”

She would steal hundreds of thousands of pounds from the elderly woman, using the money to pay for botox and expensive meals before fleeing to Tenerife after getting caught.

Gwinett denied charges of fraud and theft but was found guilty by a jury at Preston Crown Court.

After discovering ex-accountant Joan was wealthy Gwinett concocted a lie, convincing Joan that her family were stealing from her pension.

Gwinett even moved Joan into a care home to keep the pensioner close when Covid hit in March 2020.

After the pandemic ended she took Joan home but padlocked the gates of her bungalow and changed the landline number in a bid to stop Joan’s family from getting in touch.

A court heard that the last months of Joan’s life had become “pock marked with increasing periods of bewilderment and confusion.”

Joan also became doubly incontinent, but instead of looking after the elderly woman Gwinett “bullied” her.

Gwinett would cover for Joan’s professional live-in carers for two hours a day, billing the pensioner for the time.

Judge Michael Maher said: “On one occasion, [one of the carers] found to her horror that you had left Joan covered in her own faeces in bed at the end of your two-hour shift.

“On another occasion, you barked at her to relieve herself in her incontinent pad.”

Eventually one of Joan’s carers became so concerned that she arranged for Joan’s family to visit.

The meeting sparked a massive argument with video from the incident featuring Joan complaining that she doesn’t know what’s going on.

Footage also picked up Joan mentioning money problems despite her being a well off woman.

By the time Gwinett’s power of attorney over Joan was suspended she had already robbed £161,000 from the pensioner.

She even managed to steal a further £119,000 by opening a joint account and transferring Joan’s cash into that.

Judge Maher said Joan’s family “are devastated by the fact that Joan in the fog of her deteriorating mental health may well have believed the lies you were pedalling and made her isolation all the more solitary and lonely.”

Joan’s step-daughter Katherine Farrimond, 65, said Joan believed in her final years that her family “hated her” and “didn’t want to see her’” because to Gwinett’s “lies.”

In April, Gwinett applied to vary her bail conditions so she could fly to Tenerife, saying she hoped to scatter her late brother’s ashes there.

Her request was denied but she still brazenly boarded a plane just hours later and has remained there since.

The judge added: “I sincerely hope that Ms Gwinett is extradited back to the UK to serve this sentence for these egregious offences.

“It is an affront to justice and the rule of law for this defendant to be allowed to remain in Tenerife.”

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THE NOTORIOUS “Tinder Swindler” has claimed from his jail cell that he doesn’t remember “conning women out of hundreds of thousands.”

Simon Leviev, 35, has spoken out for the first time since his arrest in Georgia for alleged fraud.

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Talking from his prison cell, the Israeli scammer admitted to a local celebrity lawyer Mariam Kublashvili that he is no angel but has no recollections of the alleged crimes he has been accused of, reports MailOnline.

The infamous scammer has appointed Ms Kublashivili as his new lawyer, who has since likened him to The Wolf of Wall Street.

Like the disgraced stockbroker played by Leonardo di Caprio, she believes Leviev has turned over a new leaf.

His latest claim follows an arrest made last month under mysterious circumstances following an Interpol Red Notice for alleged fraud in Germany.

Mr Leviev was cuffed at Batumi International Airport, Georgia, on September 14th.

He is currently being held in Kutaisi Penitentiary Establishment No 2 and awaiting extradition proceedings.

If convicted, he could face up to ten years behind bars.

Yesterday, Mr Leviev spoke out via Ms Kublashivili for the first time since the dramatic arrest, where he has claimed to have no recollection of this.

He said: “Under the circumstances, I believe I’m either being set up or there’s been some kind of misunderstanding.”

Leviev, whose real name is Shimon Yehuda Hayut, became the subject of a 2022 Netflix documentary after he spent years luring women on dating app Tinder, while posing as an heir to the Leviev diamond fortune.

He told his victims he was the son of Israeli diamond tycoon Lev Leviev – but he has no relation to the family whatsoever.

He was arrested in 2019 in Greece then extradited to Israel where he served a 15-month sentence for fraud, forgery and theft.

His legal team are now questioning why an Interpol notice was triggered when he entered Georgia without the Germans first going to authorities in his homeland.

Mr Leviev’s Israeli lawyer Sharon Nahari said: “To arrest him in a third country, rather than addressing the matter openly through Israel, is unfair and unacceptable.”

Mr Nahari also characterised the case as “disproportionate” and “based on weak evidence.”

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The newly appointed Ms Kublashvili added that she fears he will not receive a fair trail due to a pre-existing biased narrative.

Referencing The Wolf of Wall Street, she claimed that Mr Leviev is now a very different person.

She highlighted that since 2022 he has embarked on a new and completely legal career and published his own memoir.

In addition to fighting his extradition, Ms Kublashvili also hopes to move Leviev from his current prison to one in Georgia’s capital, Tbilisi.

She claims that the current conditions he is being held in fail to meet basic hygiene standards.

Ten years on from being conned out of thousands, Mr Leviev’s victims remain traumatised.

While the Netflix documentary The Tinder Swindler brought their story to the world, the women he affected say the aftermath and the long road to recovery were far more difficult than anyone could have imagined.

“I’m still traumatised,” Cecilie, 36, told The Times.

Cecilie was conned into taking out nine loans totaling $250,000 (£190,000), and was hounded by creditors to the point where she contemplated suicide. 

She eventually sought help at a psychiatric unit and has spent the last seven years in therapy. 

She “never wanted to be on” antidepressants but explains that she “needed them.” 

Pernilla, 38, also contemplated suicide after learning the truth about the man she once considered a friend.

She lost the $45,000 (£33,840) she had saved for a home deposit and then doubled that amount in legal fees when she tried to take her bank to court. 

The pair have since released a book, Swindled Never After: How We Survived (and You Can Spot) a Relationship Scammer, deep dives into their traumatic journey in a bid to prevent others from falling for the same cruel tricks.

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WE all like to think that we’d beat the scammers if they came knocking – but are you really that savvy?

After all, the latest Global Anti-Scam Alliance report warns that people in the UK lost £11.4billion to scams in the last year – up £4billion on the year before.

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And the average loss per victim was £1,400, with just 18% recovering their money.

This is at a time when we hear about how to spot scams more than ever, and we have gadgets laden with scam-busting tools.

We spoke to several security experts who revealed five of the most simple-but-effective scams going – they’re all shockingly common AND easy to spot… but repeatedly catch out Brits.

So, are you STILL so sure you’d spot them coming?

SCAM 1 – EMAIL EXTORTION

One of the most twisted scams being delivered to Brits is email extortion, often with a sexual spin.

Sometimes this might involve genuine blackmail, but often hackers simply fabricate dodgy evidence to scare you.

This is a cheap and easy tactic that Brits do fall for.

“Blackmail scams claim to know damaging information about a victim, demanding payment to keep quiet,” said Chris Hauk, of Pixel Privacy, speaking to The Sun.

“Victims are told they have been recorded doing disgusting things while at their computer or using their mobile device, and that the video will be sent to friends, family, and employers if they do not pay up.”

These claims can be scary, and there’s a sinister trick that crooks pull to make them even more convincing.

They’ll use fake email addresses that look like your own account to hoodwink you.

“Email extortion scams claiming to have compromising pictures of end-users in intimate moments are quite common, and remain some of the most prevalent scams on the internet these days,” said Michael Tigges of Huntress.

“An adversary will often spoof the email addresses in the mail and generate an email that appears as if it was sent from the user’s own email account and claim to have access to all accounts.

“They will ask for money, cryptocurrency, etc., to avoid ‘leaking’ these pictures or videos.”

Staying Safe

It’s important to not give in to the scammer’s demands.

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In the first place, even if the material that the crook has is legitimate, paying them won’t help. They might just take your money and share it anyway.

But in most cases, the crooks have simply invented the dodgy material – and won’t show any real proof that they have it.

It’s best to just ignore these scam messages. Interacting with the crook shows that your email is active and that you’re willing to engage.

And that could lead to them targeting you with other scams down the line, or trying a different tactic on you.

SCAM 2 – TECH SUPPORT

Next up is the iconic tech support scam, which still successfully hoodwinks unsuspecting Brits.

“Tech support scams are another classic,” Proton’s Patricia Egger told The Sun.

She described it as “a pop-up or call pretending to be from Microsoft or Apple, pushing you to hand over control of your computer or bank details”.

It might sound obvious, but they often come out of the blue and catch you off-guard.

And with years of experience under their belts (and now the power of AI), scammers can generate highly convincing fake alerts.

“Fake tech support scams are also highly common,” Michael Tigges, a security analyst at Huntress, told The Sun.

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“A website will generate a ‘notification’ prompt in modern browsers which mimics an anti-virus/Microsoft notification and asks the end-user to call a number controlled by the adversary.

“That person will then remotely access the computer and either install malware, or remotely fake a number of ‘tech issues’ that must be fixed for a fee.”

Staying Safe

Be extremely sceptical of any mysterious pop-ups.

Look out for typos, bizarre requests (for passwords or money), aggressive wording, and unusual styling (does it fit how your device normally looks?).

And if you’re unsure, check with your device maker to see if it’s legit.

SCAM 3 – THE URGENT PROBLEM

Another iconic scam that gets Brits is the urgent problem con.

This is extremely simple – and that’s what makes it so effective.

“The scams that catch people out most often are usually the simplest,” Proton’s Patricia Egger told us.

“Fake texts or emails saying you’ve missed a delivery, owe tax, or need to fix a bank problem are still everywhere.

“And they work because they create a sense of urgency that does away with calm and clear thinking.”

Crooks can deliver this kind of scam in bulk – hitting hundreds, thousands, or even tens of thousands of targets.

And they just need a fraction of those targets to bite, allowing them scoop up prized info or cash.

It can take many forms, but the style is always the same: you must act quickly, or you’ll be handed a bill.

“A victim is told they have several outstanding fines or payments that must be paid immediately or they’ll face prosecution,” Chris Hauk told us.

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“However, if they just go and buy several gift cards amounting to the outstanding sum and provide the information to the scammer, all will be forgiven.

“Emails and text messages claim that sums of money are owed either for a debt, or a fine, or even a toll road fee.

“They may also provide a link to pay that is actually to a malicious site designed to harvest financial information from the victim.”

Staying Safe

Scammers don’t want you to have time to think things over or to check out their story.

Chris HaukPixel Privacy

If you ever receive an urgent alert, pause – don’t act fast.

Instead, reach out directly to the company that the alert claims to be from.

Use the official phone number or email on the website, and not the one you’ve been sent with the alert.

And if the fine or charge comes from a suspicious company you’ve never heard of, do your research. Is it a real company? Does it have an online presence or reviews? Is it registered on Companies House? Who runs it?

Ask these questions before handing over any cash.

Chris added: “Scammers don’t want you to have time to think things over or to check out their story.”

SCAM 4 – THE FAKE JOB

The fake job scam is one of the most nefarious cons out there.

It’s almost unimaginable to think that you’d fall for such a wheeze. Surely you’d spot a fake job a mile off?

But it’s easy to forget that when you’re hunting for a new role, you might be feeling particularly desperate.

And as the cost of living goes up, Brits can be tempted by easy money or a more relaxed working environment.

Crooks know this, and capitalise on it.

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“Fake job offers are also becoming increasingly common, these often sound appealing at first, promising easy money, work-from-home roles, or a big windfall,” Proton’s Patricia Egger told us.

“They hook people with the promise of good news, then demand ‘processing fees’ or bank details.”

She continued: “These tricks work because scammers know how people act in response to emotions, both good and bad.

“And with increasing quantities of data about us online, ‘I’d never fall for that’ is just one data leak away from being untrue.”

Staying Safe

Patricia’s best advice is to watch out for red flags like:

• Unexpected links or attachments in a chat about a job
• Pressure to act immediately
• Being asked to move money for a job or pay fees upfront
• Any perk of the job that seems too good to be true

She added that you should always make sure to “slow down and stay sceptical”.

SCAMS IN 2025 – THE EXPERT VIEW

Here’s what Sean Keach, The Sun’s resident tech expert, thinks…

It’s never been easier to carry out scams.

Cybercriminals have the world’s arsenal of tech at their disposal.

And with AI, they can supercharge their efforts by crafting convincing scam materials in seconds – and then dispensing it to victims just as quickly.

It sounds terrifying, and in many ways, it is.

But there is some good news.

Although scammers can carry out scams more convincingly and at greater speed, they’re still the same classic cons at their core.

And that means the age-old rules you need to follow stay the same too.

Avoiding scams really is as simple as being as cautious as you can be.

If something seems too urgent or too good to be true, don’t be afraid to take a step back and give it a good think.

Ask your friends and family for advice. Do research online.

Money can disappear in the blink of an eye, and you’ll struggle to get it back. And the same is true for info, which can be used to defraud you or hoodwink those close to you.

So be extremely careful before you ever hand anything over online.

If something seems off, it probably is.

Picture Credit: Sean Keach

SCAM 5 – FRIEND IN NEED

There are lots of variations of this con, but it’s commonly known as the “friend in need” – or lately, the “hi mum, it’s me” scam.

This is when a crook pretends to be someone you know to hoodwink you.

It works because so often we expect scams to come from people we don’t know – or criminals posing as businesses.

“It’s not just strangers,” said Patricia Egger, of Proton.

“Criminals often pretend to be friends, colleagues or family by hacking accounts or stealing personal details.

“If you get an urgent request from someone you know that feels unusual, check with them through another channel before doing anything.”

These crooks might message you from a strange WhatsApp account, and say, “Hi mum, it’s me your daughter, I’m texting from a friend’s phone.”

And they’ll say that they’re in trouble and need money fast.

They might give the excuse that they’re in legal trouble, need cash for a taxi home, or have some other urgent money worry.

Many parents or pals will dismiss these texts out of hand.

But it only takes a little absent-mindedness and some luck on the part of the crook and you can easily fall for the con.

It’s increasingly common in the UK because so many Brits fall for it.

Worse still, some crooks will actually text you from your own family member’s phone number.

“Accounts can be taken over, and regularly are, by bad actors,” said Erich Kron, of KnowBe4.

“It can email, social media, or any number of other mediums, and attackers know that communications from known associates carry a lot of inherent trust.

“They can even hijack previous conversations, making it look even more legitimate.”

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Staying Safe

With this scam, your best defence is communication.

Be cautious whenever anyone asks you for money urgently – even a family member.

If they do, reach out to them by some other method, like calling them on the phone, to verify that it’s actually them asking for money.

Another good trick is to create a safe word or phrase that your family uses to verify that they’re really asking for cash.

“It’s important to establish an understanding between peers and family,” said Huntress’s Michael Tigges.

“Consider establishing ‘safe words’ or phrases that can be utilised when calling family members or peers from an untrusted number to confirm identity.

“And encourage family members, especially the elderly, to be highly sceptical of phone calls from untrusted numbers.”

Your safe word could be anything – even a silly phrase like “purple banana”.

It just needs to be something that you and your loved ones can remember, but that a criminal could never guess.

Don’t save it anywhere on your phone. Keep it as secret as possible.

It could mean the difference between avoiding a scam or losing thousands to a criminal – and then never getting it back.

FORMER One Direction star Louis Tomlinson was duped by fraudsters in a £4million footie plot.

The Bigger Than Me singer became the face of Doncaster Rovers in the hope he could boost the profile of his childhood team and take them to the Premier League.

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But the 33-year-old had the wool pulled over his eyes by a gang who stole millions from people’s retirement nest eggs.

Over two years £3.7million had been funnelled from hard-earned pension pots belonging more than 200 victims.

Prosecutors said the proposed Doncaster deal was used by the thugs to cover up the missing cash to cops.

As reported by the Mirror, criminal gang Kevin Phelan, Daniel Giles and Adrian Bashforth were all convicted last month and face jail time.

The trial at Leeds Crown Court heard Louis unwittingly became involved with the scammers in 2014.

At the gang’s trial, prosecutor Timothy Hannam KC said: “These defendants nicked money from people’s life savings.”

Former club chairman John Ryan enlisted Louis’ help to bolster support for Doncaster at the time.

The club was insolvent and staying afloat by Ryan’s loans and other investors.

Seqentia Captial SA tried to buy it twice, but deals fell through on both occasions.

Ryan also asked crook Phelan, 62, if he wanted to buy the club in 2013.

Louis later met with the gang at his Cheshire pad at the height of 1D’s fame in 2014.

Ryan transferred his 30 per cent shareholding to Sequentia and resigned as Doncaster chairman.

The proposed deal stated 70 per cent of Doncaster would be given to Belize-based Sequentia Capital SA if the takeover was successful.

Louis and Ryan would become the club’s public face while Sequentia would be a “silent participant”.

The One Direction singer started a fundraiser and aimed to rake in an eyewatering £6million from his fans and followers.

But the crowdfunder only raised £600,000 in the end, and £500,000 of that was from one of the fraudulent gang members.

The source of the offshore firm’s funds was “stolen pension money”, the court heard.

Phelan met Louis at his home in January 2014 and Daniel Giles texted the same day: “I’ve been interrogated for the last few hours over 1D boy. Kids want to come to the next meeting mate.

“I’m thinking 16 million brainwashed followers. Very very interesting.

“Let’s crack on now together and build a nice fighting fund.”

The deal would also see Louis take a 10 per cent stake in the club with the hopes they would reach the Premier League.

The singer would show his support at games and behind the scenes.

He met with Phelan and Giles, 51, at a One Direction concert in Dublin’ to sign the deal, however it didn’t go through due to the lack of funds raised.

Louis said at the time: “I’m gutted the Doncaster deal is not going ahead. I am desperate for the club to be given the recognition it deserves.

“I was told the deal to buy the club was not dependent on the money raised by Crowdfunding. Unfortunately I was misled.”

There is no suggestion Louis or Ryan knew about the pension fraud.

The defendants will be sentenced in January.

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SALFORD’S owners are today facing questions over trying to buy their stadium using a FAKE bank statement.

Isiosaia Kailahi and Curtiz Brown have dragged the club through the mire — and High Court — since taking charge in February.

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Now SunSport can reveal how they tried to convince the city’s council they had the money to purchase the Salford Community Stadium  — valued at £14million —  by using contested documents.

The bank that received the statement as proof of funds has claimed the documents are not genuine.

Concerns were raised after the discovery that the transactions on it are dated months in the future.

Kailahi and Brown’s deal was originally meant to be one for the club and the ground combined — with a plan to develop the land around it later on.

Yet the financial state of the club — which would have gone under in February had this not happened — meant the club purchase had to  be brought forward.

An email from Kailahi to Salford City Council dated January 21, on which the statement was attached, raised questions as he criticised the authority for ‘going ghost’.

Kailahi wrote: “We understand there is  scepticism by members  about us and how this deal is being handled, which may not meet with council’s standards.

“I would remind those in doubt,  we started discussions about the potential acquisition of AJ Bell Stadium in early 2023 with the council going ghost on us without any correspondence after a few weeks.

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“I ask members to note the time I have spent in Manchester — which is months on end — working on this acquisition and the Red Devils deal, away from my family, this should at least give me some benefit towards our intentions.”

But a statement from Emirates NBD bank, in the name of Brown’s Built UAE company, raises more questions than answers.

Claims of a closing balance worth almost £22.3m could convince many they are the real deal.

Yet transactions dated December 2-11 2025 raised red flags — and, when SunSport contacted Emirates NBD, it confirmed our suspicions.

They said: “The Bank is prohibited by federal UAE law from disclosing any information about customers.

“But, the Bank can confirm none of the documents enclosed with your email, which purport to originate from the Bank, are genuine.”

When SunSport approached the businessmen for comment, Brown insisted: “Every document we have supplied has been true and accurate when provided, including any financial statement.

“If a statement you have been shown is false, we know nothing about this and have not been nor cannot be responsible for any document provided outside of our oversight.”

Salford City Council walked away from talks over the stadium in May —  three months after they requested names, addresses and bank details of all consortium members.

Seven months on, they are still waiting.

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Brown told SunSport: “We have yet to reach this point in the negotiations.

“As soon as we reach the point involving the transaction that requires the supply of this information, it will be duly and fully provided in the usual way.”

When the takeover that ‘saved’ the club first went through, a statement quoting Swiss financier Dario Berta was issued on February 7.

It said: “The new owners have cleared all club debt and will deliver  significant investment for the club’s future growth. This is the start of a very bright future.”

Yet debts have grown, including the £626,000 that forced HMRC to bring the winding-up petition that is now adjourned until October 29.

A £5m bridging loan, first mentioned in June — believed to be coming from Ben Doweck and Eli Cohen — secured the second delay but it is understood there will be no more.

Some 18 players, the kitman and even the man under the mascot’s costume have all walked away.

So did the man meant to coach Salford next season, assistant Kurt Haggerty.

Wage issues, when they have come, have been largely sourced from  firm WeDo Finance, and concerns over pension payments forced their hand.

Chris Irwin, employed by them as chief exec, was sacked — after it was first claimed he resigned.

This casts even more doubt on the duo,  working under the Sydney-based Jacobsen Venture Group title.

Fans protested at their home match with Catalans last Thursday.

It followed marches to the stadium after they forfeited a Super League fixture against Wakefield, and to their game at Warrington, which many feared would be their last.

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And the mess raises questions of the Rugby Football League, chiefly: how did they even get the club?

SunSport was handed a certified bank statement of an account at Australia’s Commonwealth Bank, checked and signed by an independent accountant.

Because of the need to save Salford, that was considered enough to get the club.

Yet their wider aims stalled after the production of the Emirates NBD statement.

And it is believed Salford City Council did not get as far as checking its validity as it had not received the information regarding the consortium it had asked for.

Kailahi, also known as Sire, and Brown faced controversy before.

In April, SunSport reported on a California court case in which Kailahi  was involved after ticket firm Eventbrite claimed it paid him £500,000 for a contract his Stadium Salford Group had not entered into properly.

In response, Brown fired a message.

It said: “You made everyone at the club unemployed with your  article. Sire is shutting the club down and will name you as the reason.”

According to documents, Kailahi lost the case but is appealing.
Brown spoke to SunSport again in February, as fathers sent their young children to hug him and thank him for saving the club.

He said, with words that may now appear hollow: “We just love rugby league and Salford fans are passionate about rugby league.

“We’ve seen the trouble they’ve been in, and we’ve always lightly followed Salford because of the connections we’ve had here.

“You’ve seen what we plan going forward. It’s not about rugby league, it’s about the community.

“It’s about getting the fans involved.

“It’s basically just for the fans of Salford. We’re in it to win it now.

“We’re coming here to include ourselves in what could be a better Salford.”

A CRUEL carer splurged £10,000 she stole from a patient’s dementia-stricken wife on fake tan, KFC and cigarettes.

Danielle Houghton helped herself to the 91-year-old’s bank card while she was meant to be looking after her bed-bound husband.

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Houghton, 32, blew the cash on trips to tanning shops, gambling sites and Netflix and Amazon Prime subscriptions.

She also spent it at Sports Direct and KFC, and used it to buy petrol, cigarettes and alcohol over a three-month period.

Her scheming was only exposed three months later when the victim’s children noticed the transactions and alerted police.

Houghton has now been jailed for two years and nine months after pleading guilty to theft and fraud by false representation.

Sadly, the victim and her husband passed away before they could see Houghton brought to justice.

Preston Crown Court heard the heartless thief was meant to be caring for the 92-year-old man when she targeted his wife.

Footage showed Houghton at various stores and cash machines spending the stolen money.

The woman’s son said in a victim impact statement: “‘Something bad has been done to me, but I cannot remember what it is…’

“That heartbreaking phrase was my frail, vulnerable, and deeply upset Mum’s constant refrain.

“‘Something bad has been done to me’. She carried that desolate anxiety to her grave, unable to quietly enjoy the tranquillity of her home and garden in her final months, haunted by a distress she couldn’t resolve.

“Danielle Houghton’s criminal actions have also regrettably tarnished the reputation of care providers in a sector already facing immense challenges.”

Houghton stole a total of £9,773 with much of it withdrawn from cash machines, and tried to take a further £800.

DC Peter Bennett of Lancaster Criminal Investigation Department said “Houghton’s selfish actions against a vulnerable lady are despicable.

“I welcome the prison sentence handed down to her which not only punishes her actions, but sends out a clear message to others who might be tempted to offended in a similar manner.

“Their mother died not knowing that the person responsible for taking half her life savings had faced justice, and their father also died during the course of the investigation, which increases the suffering of the family.”

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A MUM who swindled more than £75,000 in benefits to pay for a boob job and luxury holidays then turned to running an illegal puppy farm to make more cash.

Tammy Hart, 48, made at least £35,000 from her criminal farm after being released from jail for wrongly claiming tax credits to fund her plush lifestyle.

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Hart had also lied that she was single – when she was secretly married to the father of her two children.

A court heard she and her husband Neil Hart, 53, lived a “lavish” lifestyle after wrongly pocketing taxpayers’ money.

After being jailed for two years, she then turned back to crime, becoming an unlicensed dog breeder following her release.

Hart’s illegal puppy farm was busted, and the benefit swindler was ordered to pay more than £40,000 as a result.

The mum-of-two – then going by the name of Tammy Gunter – had already been ordered to pay back £23,358 from her benefits fiddle.

At the earlier hearing seven years ago, prosecutor Nuhu Gobir said Hart was granted tax credits by saying she was a single mother – and also made false claims for student finance and a £2,000 NHS bursary to train as a nurse.

Overall, Hart was handed £76,008.63 in tax credits between 2007 and 2016, the court heard.

The couple splurged the money on holidays to Las Vegas and Florida in 2011 and 2013.

She also took out a loan of £22,000 at one point for a holiday home in the US.

Mr Gobir said: “They were already in a relationship and had been living together as a family since 5 December, 1997.”

He said Hart claimed tax credits for nine years when she was working part-time in a shop and a garage.

Merthyr Tydfil Crown Court heard Hart even forged a letter purporting to be from HMRC.

Mr Gobir said: “Tammy Gunter made a claim that she was a single person working at least 16 hours per week.

“She stated that she had two children and no other income. The defendant dishonestly maintained she was single. She enjoyed a lavish lifestyle.”

Describing her false claim, Mr Gobir said: “She stated that she was separated and was a single parent with two dependent children.

“Neil Hart lied about his address to assist Tammy Gunter with the application. The total loss to the public purse in effect is £87,450.”

The DWP, HMRC and the HS Counter Fraud Service Wales began a joint investigation in January 2015 and the couple were arrested.

Hart admitted being knowingly concerned in fraudulent activity undertaken with a view to obtaining tax credits, one count of forgery and four counts of fraud.

Byron Broadstock, defending Hart, of Blackwood, South Wales, said the couple had a “tumultuous” relationship.

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He said: “Many of the purchases that have been described as extravagant, they are out of the ordinary. They were often gestures in reconciliation.”

He said the plastic surgery “wasn’t simply for purely cosmetic reasons. It was psychological reasons.”

Hart was jailed for two years, while her husband was jailed for six months.

But when she was released she set up her dog breeding business.

Merthyr Tydfil Crown Court heard between September 2021 and May 2022 Hart had advertised 17 litters for sale, with puppies sold at upwards of £1,500 each.

She was found with 29 dogs cooped up in pens which were covered in faeces and urine. The animals were found to have serious health conditions with one puppy suffering from deformities.

Hart was given a suspended prison sentenced for unlicensed dog breeding and has been ordered to pay back the money in a Proceeds of Crime hearing.

She was sentenced to a 16-week custodial sentence suspended for 52 weeks for charges including causing unnecessary suffering to one of the 29 dogs.

She also admitted three counts of a banned practiced under The Consumer Protection from Unfair Trading Regulations 2008 for not declaring selling puppies in course of business, two counts of unlicensed dog breeding and three counts of failing to look after the needs of animals.

Hart was also disqualified from dealing in all animals for a period of seven years under the Animal Welfare Act 2006.

Hart was ordered to pay a Confiscation Order of £35,639.43, to be paid within three months or face a custodial sentence of 12 months at Cardiff Crown Court.

She was also ordered to pay costs of £8,000, to be paid within three months after the confiscation order is paid.

Cllr Philippa Leonard, Caerphilly council’s Cabinet Member for Public Protection, said: “Unlicensed dog breeding is a serious matter, and it is hoped that the outcome of this case will serve as a strong deterrent to those who operate illegally.

“This case serves as a reminder of the importance of adherence with dog-breeding regulations and the necessity to obtain the required licences so that we as a council can monitor and safeguard animal welfare at dog breeding establishments.”

“Whenever possible Caerphilly County Borough Council will use the provisions of the Proceeds of Crime Act to deprive convicted unlicensed dog breeders of their ill-gotten gains.

“If anyone is concerned or suspicious of illegal dog breeding, please contact our Trading Standards or Licensing teams. Your information will help us tackle illegal puppy breeding in Caerphilly and will help stop animals being exploited by unscrupulous breeders.”

THIS is the shocking moment a Deliveroo rider pretends to drop off a takeaway — only to swipe it back seconds later after being caught on camera.

The sham delivery was filmed in Bristol, where stunned homeowner Daniel Ali, 19, watched the bizarre scam unfold on his doorbell camera on August 18.

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The footage shows the courier placing the meal on the doormat and snapping a photo for “proof”, before stuffing it back in his bag and cycling away.

Ali said: “It was a crazy experience,” after sharing the footage on TikTok, where it quickly racked up thousands of views.

The stunned customer later revealed the rider got in touch after the footage blew up online, apologising and begging for the viral video to be taken down.

Viewers were left fuming with one saying: “Absolutely disgusting, he should be banned.”

Another raged: “This is theft, plain and simple.”

Furious social media users warned the stunt could leave vulnerable people hungry, with some relying on deliveries for their only hot meal of the day.

Calls mounted for Deliveroo to act fast.

The firm has since refunded the cost of the food, and Ali has agreed to remove the video.

A Deliveroo spokesperson told Bristol World said: “Deliveroo is committed to ensuring the highest standards of behaviour and we take customer experience extremely seriously.

“We offboarded the rider and issued a refund to the customer after they alerted us to this incident.”

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SHOPPERS who use Apple Pay or Google Pay may be at higher risk of fraud, consumer group Which? has warned.

It said the use of one-time passcodes by banks could be making people with digital wallets an easy target for scammers.

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A survey by the consumer champions found that the majority of banks are still using these security features, putting consumers at risk.

Unlike contactless cards, there is no £100 spending cap on cards added to Apple and Google Pay, so fraudsters can quickly drain victims’ accounts once they gain access to it.

Scammers normally trick people into divulging their card details by setting up a fake transaction, Which? said.

People will think they’re paying for a bargain product advertised online, or they might fall victim to a phishing message.

A common example is parcel delivery scams, where you’re asked to pay a nominal amount for re-delivery.

Scammers monitor the transaction in real time, inputting the victim’s card details into a digital wallet on their own phone.

Many banks will then ask for a one time passcode (OTP) to verify the cardholder, which the scammer then asks the victim for to complete the “transaction”.

The fraudsters are then able to drain the victim’s bank account.

Which? surveyed 15 banks and card providers about their digital wallet setup process between April and May this year, and found the majority still use OTPs sent through text message as one of the options for adding cards to a digital wallet.

Of the 14 providers that allow cards to be added to wallets (Capital One is the exception), just two banks confirmed they do not use OTPs, while a third appeared not to when Which? researchers tested the process.

Barclays, Co-op, HSBC (with its sister banks First Direct and M&S Bank), Santander and Virgin Money said they currently use SMS OTPs, though they are not the only verification option.

Starling said it still uses OTPs for setting up Apple Pay alongside other options, but it removed them from Google Pay in 2022.

TSB said it is working to set up in-app verification, but is using OTPs in the meantime.

American Express, Lloyds Banking Group and NewDay (which operates the John Lewis Partnership Credit Card) – did not outline which verification methods they use.

When Which? tested the set up processes for cards, Amex did use SMS and email OTPs, while Halifax did not and instead offered several “more robust methods” including in-app approval.

Chase and Monzo said they have never used OTPs for setting up digital wallets.

It comes after Cifas, UK Finance and the Cyber Defence Alliance previously warned about the link between OTP use and digital wallet fraud.

Providers can also limit how many wallets a card can be added to overall, or within a certain time period, but most banks do not implement these restrictions.

Virgin Money allows an individual card to be added to a maximum of five devices.

Starling with a total limit of 15 devices, while Monzo customers can only add their Monzo cards to a digital wallet twice in a 24-hour period and three times every 30 days.

However, Which? said that even with these limits in place, consumers can still fall victim to scammers as they only need to add one card to a digital wallet to start spending.

Which? Money deputy editor Sam Richardson said: “For millions of us, digital wallets are a quick, easy and secure way to make payments, but weaknesses in card providers’ security means they can also be a gift to scammers.

“Banks have known for years that using one time passcodes (OTPs) to verify account holders is leaving consumers vulnerable.

“It’s clear further investment is needed to make the digital wallet set-up process fit for the threats consumers face in 2025.

“In the meantime, we’d caution shoppers to always think twice before sharing their payment details – or OTPs – online.

“If you think you’ve been a victim of a scam, contact Action Fraud and your bank immediately.”

Apple told Which? it is not responsible for approving or rejecting the addition of a card to Apple Pay, or for approving or rejecting transactions.

It said that it takes users’ security seriously and Apple Pay has been designed in a way to protect users’ personal information. 

A Google spokesperson said: “Security is core to the Google Wallet experience and we work closely with card issuers to prevent fraud.

“For example, banks notify customers when their card has been added to a new digital wallet, and we provide signals to help issuers detect fraudulent behaviour so they can decide whether to approve added cards.” 

An American Express spokesperson said: “Privacy and security are a priority for American Express.

“We have controls designed to protect customer accounts and guard against unauthorised fraudulent activity, and if we identify activity that may be fraud, we will take protective actions.” 

Barclays said that the verification method used for adding a card to a digital wallet will depend on the user journey. It said it does not currently have plans to phase out use of OTPs.

Co-Op Bank said it monitors for fraudulent registrations through its fraud detection systems and has multiple strategies in place to detect digital wallet fraud. It does not currently have plans to phase out use of OTPs.

HSBC said it has no immediate plans to phase out OTP delivery for adding cards to digital wallets, however, it keeps its digital wallet provisioning process under review.

Lloyds said it has invested millions of pounds in multi-layered fraud defences, and continues to regularly review its authentication methods.

Nationwide said that it has multiple layers of protection in place to keep its customers safe from fraud including warning messaging, AI models and sophisticated internal analytics. It is currently exploring alternatives to OTPs.

Natwest said it regularly reviews its customer experience and authentication to ensure security, and said it is reviewing how it uses OTPs.

NewDay declined to comment.

Santander said it is looking at other forms of authentication, and other security measures, which may be less visible to a user than the mechanism used for two-factor authentication.

Starling said it currently only uses OTPs for Apple Pay, and removed this option from Android phones in 2022.

TSB told Which? that it is working closely with card and wallet providers to implement approval via the TSB Mobile App. In the interim, OTP verification is accompanied by the necessary risk verification, alongside fraud controls to keep customer details safe.

Virgin Money said its fraud team has heightened monitoring and controls around digital wallet fraud. It also said that it is looking at in-app verification as an option but has no current plans to phase out use of OTPs.

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FORMER MANCHESTER CITY goalkeeper Eike Immel has been sentenced to two years and two months in prison in relation to 107 cases of fraud.

According to reports from Bild, the majority of the cases centred around the 64-year-old borrowing money and not returning it.

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The total value of the money in question is reported to be £29,775.

Immel also sold tickets to a European Championship game, keeping the money but failing to deliver the tickets.

The German was found guilty in all cases before being sentenced by the district court in Marburg on Thursday.

The former Euros-winning goalkeeper’s defence brought up his financial issues as a reason for his failure to repay the money.

Bild report that a statement given by Immel’s defence attorney read: “Mr. Immel is deeply ashamed of what is being discussed here in the courtroom today.

“He lives hand to mouth. This fact has been publicly known for years.

“[He is] not a professional fraudster, but a failed former footballer.”

Immel declared bankruptcy in 2008, and has since spoken to the media about his money troubles, last year claiming to be living off of benefits.

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The stopper made 43 appearances for Manchester City between 1995-97, but is best remembered for his tenure in the Bundesliga.

He played almost 550 league games between spells at Borussia Dortmund and VfB Stuttgart.

His domestic performances earned him 19 international caps with West Germany.

Among these appearances, he won the 1980 European Championship and was part of runner-up campaigns at the 1982 and 1986 World Cups.

A DRAGON’S Den winner and former Team GB gold medallist fraudulently used Covid loans to buy himself a £1.8million mansion.

Rick Beardsell illegally pocketed £100,000 worth of taxpayers cash to purchase his home – despite receiving a £75,000 investment during his stint on the BBC show.

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The 46-year-old fiddled two Covid Bounce Back loans to buy himself five-bed Holly House in the exclusive village of Prestbury, Cheshire.

Dad-of-two Beardsell was only entitled to apply for one loan worth £50,000, but fraudulently applied for two and greatly exaggerated his annual turnover by up to 23 times.

It came after the world champion sprinter had successfully secured investments from TV Dragons Tej Lalvani and Deborah Meaden for his successful protein shake bottle business, ShakeSphere.

Chester Crown Court heard he applied for the loan to prop up his other company, Sports Creative Ltd, but none of the money went towards the sportswear business.

Prosecutor Geoff Whealan told the court Beardsell made the fraudulent applications to HSBC in December 2020 and then to NatWest in January 2021.

He said: ”The defendant stated on the HSBC form that the turnover of Sports Creative was £485,000 and on the NatWest form said it was £320,000.

“But unaudited financial statements showed turnover for the year end February 2020 was £20,622.

”The turnover was clearly exaggerated to secure the maximum bounce back loan.

“Subsequent transactions showed the bounce back loan funds were not being used for the economic benefit or business purposes of Sports Creative at this time.”

The money arrived in Sports Creative’s account in January 2021, but then almost £400,000 was transferred to Beardsell’s personal Santander account in the space of six months.

Then £431,160.80, including the remaining bounce back loan funds, was transferred to a firm of solicitors for the purchase of Holly House he bought with his wife Ezster.

Mr Whelan added: ”In effect the bounce back loan funds had been used for this purchase.

“It can be inferred from the defendant’s conduct that it was his intention to use the bounce back loans for this purpose at the time he made the application for it.”

Beardsell, who won two World Records for sprinting, faced three years in jail after he admitted two charges of fraud.

In October 2024, he attended an interview under caution at the Insolvency Services offices.

In a statement he said: ”The guidance pertaining to Bounce Back Loans indicated that the proceeds of such loans may be utilised for any purpose that yields a direct benefit to the company.

”At that juncture, I sought professional advice and was advised that such purposes include, but are not limited to, the coverage of overhead expenses or outstanding liabilities, as well as the investment in company assets or property.

“The funds that were transferred to my personal account constituted a director’s loan and other economical overheads for the business.”

Mitigating, his counsel Nichola Cafferkey explained that the loans had been repaid in full to the banks.

She said: ”The loss of his good character is of some significance in respect of a man who has dedicated his life to his family, his professional entities and also his sporting endeavours.

“These offences were out of character and were committed four years ago.

“He has taken responsibility and repaid the money back. He knows that it’s his own fault.

“He has brought shame on his family and brought shame on himself.

”His wife is also his business partner and concerns that they have had about the ability to provide financially for their young children have been significant.”

The court also heard that Beardsell had suffered a series of medical issues both before and after securing the loans.

Ms Cafferkey continued: “A year prior to the submission of the first loan application, the defendant was diagnosed with an aggressive form of testicular cancer and required surgery and extensive chemotherapy.

“The chemotherapy was successful but led to some significant side effects.

”One of those being vertigo, of which he had a severe episode which required hospitalisation and thereafter there are ongoing long-term issues as a result of that.

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“The investigations brought on by the defendant’s own actions has had an impact on his family which has led to a situation where he has been experiencing significant stress over the past few years.

“On top of that there are ongoing knee pains associated with his athletic success at national and international level.

“He has been running a business for many years without issue and it is plain he is extremely remorseful and regretful for his actions.

“The impact on his wife’s physical health in terms of stress and strain has been significant. There has been significant weight loss and insomnia.

“This will be the only time that Richard Beardsell appears before the court.”

Beardsell was sentenced to 18 months in prison, suspended for two years.

He was also ordered to complete 250 hours of unpaid work and pay costs of £11,142.70.

Judge Simon Berkson told Beardsell: “You fraudulently lied and lied again in your applications for these loans.

“They were supposed to be for use in keeping your business running but the money was used for your own personal needs and the needs of your family.

“This is not a victimless crime. The government was trying to help struggling businesses at the time of national crisis.

“People were in lock down, people were dying and people were very ill at the time when people required their public services.

“You used fraudulently obtained public funds for your own use, depriving honest people of the scheme’s funds when the country was in crisis.

“You are a generally successful man both in business and in sports, particularly your involvement with athletics.

“You continue to run your business and it was on the TV programme Dragons’ Den.

“You are a married person with two children and they are young children. You have survived an aggressive form of cancer.

“I have concluded that an immediate custodial sentence would have a significant harmful impact on your wife and children.”

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A 68-YEAR-OLD woman has revealed that she said ‘I Do’ with her Nigerian toyboy, who is 43 years her junior.

When Kay, 68, and Ablack, 25, first connected on Facebook, they had no idea that a simple social media like would lead to marriage. 

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But now, the couple have opened up on their unique relationship and explained how just three days after meeting in real life, Kay’s toyboy popped the question.

Revealing all to Truly, on an episode of Love Don’t Judge, the couple admitted that they are constantly stared at in the street and Kay has even been accused of being Ablack’s “grandma”.

Opening up about how their relationship first blossomed, Kay recognised: “He liked something I posted. He went from somebody who liked my post to my very best friend, I could tell him everything. It just kept getting stronger and stronger.” 

After three failed marriages, Kay was initially “very leery about being scammed” by the youngster.

Not only was the mother called “crazy” by many, but before long, the couple had tied the knot, with Ablack being Kay’s fourth husband. 

Despite falling in love, the couple constantly face judgement over their age gap, with Kay being 43 years older than Ablack. 

But Kay beamed: “I do not feel old when I’m around him. I feel very young, like a teenager.” 

With Ablack based in Nigeria and Kay over in the US, the pair have had to make the relationship work with the geographical distance. 

However, Ablack knows that the pair are destined to be, as he acknowledged: “A prophet told me that I’m going to get married to a white woman and here she is.”

But although destiny brought them together, not everyone agrees with their relationship, as Ablack said, “Some people say, ‘she’s old enough to be your mum’. Some say, ‘you’re married to your grandma’, ‘she’s too old for you’.

“Anywhere we go, people take pictures of us.” 

Not only this, but people have even accused Ablack of getting “married for a US green card”. 

Be careful girl. Scammers can be “in love” too!

YouTube user

Clearly unfazed by the judgement, Kay, who is often referred to as Ablack’s “sugar mummy”, said: “I’ve never felt love like this before.

“This is the one I’m supposed to be with, I just had to wait a long time for him to be born.

“He treats me like a Queen. I’m his priority.” 

A-list age gap relationships that have stood the test of time

1. Kris Jenner & Corey Gamble – 25 years
   The Kardashian matriarch, 69, met her younger man, 44, at a mutual friend’s 40th birthday party in Ibiza. They’ve been together since August 2014.
2. Sam & Aaron Taylor-Johnson – 23 years
   The director, 57, and actor, 34, reportedly met at a film audition in 2009, and were married by 2012. The pair share two daughters and Sam has two children from a previous marriage.
3. Rosie-Huntington-Whiteley & Jason Statham – 20 years
   The model, 37, started dating actor Jason, 57, in 2010. They were wed in 2016 and have since welcomed a son and a daughter together.
4. Catherine Zeta-Jones & Michael Douglas – 25 years
   Catherine, 55, was introduced to Michael, 80, a film festival in 1996 and engaged three years later. Shortly after their engagement, the couple welcomed a son and married in 2000.

Social media users react

Social media users were left stunned by the couple’s age gap relationship – and nasty trolls were out in full force in the comments on the YouTube clip. 

One person said: “As a middle aged woman who’s probably close to her age, this makes me uncomfortable.” 

This is the one I’m supposed to be with, I just had to wait a long time for him to be born

Kay

Another added: “The prophet”s name is Visa.” 

A third warned: “Be careful girl. Scammers can be “in love” too!”

At the same time, someone else wrote: “Hope she has a lot of money to feed his whole family, why else would a 25 year old be with a woman in her 60s.”  

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