Fraudster jailed after claiming daughter injured in Manchester bombing
A director of an insurance firm who claimed that her daughter had been injured in the Manchester Arena terror attack in order to get a £2,500 insurance payout has been jailed for two years today (18 September).
Susan Pain, 51, said she was a dentist and her daughter “Sophie” had sustained serious injuries in the attack on 22 May 2017 which resulted in her having two major operations. AXA Insurance made checks and could not trace a victim with her daughter’s name. They reviewed Pain’s claim history and found she had been making false claims for years.
Between March 2010 and July 2017 she submitted 31 fraudulent insurance claims through Money Medical Management, an insurance broker where she was a director. Pain oversaw a section of the business that insured people in the medical and dental professions against unexpected practice overheads brought about by sickness, maternity, family emergencies and jury service.
The policies were underwritten by AXA Insurance who lost £139,834.35 as a result of her fraudulent claims. She made some of the claims in the names of friends and family who received the money into their bank accounts via cheques and transfers. Pain told them that the money was bonuses from work and she would get a tax advantage if she routed the money through their accounts. Neither they or Money Medical Management were aware of the fraud.
Henry Pepper from the CPS said: “These offences were investigated by the City of London Police who worked closely with the Crown Prosecution Service.
You may also like:
“Faced with the weight of evidence against her, Susan Pain accepted she had been breaking the law for seven years.
“The prison sentence is a reflection of the seriousness of her crimes. The CPS has also applied to the court to recover the money she stole.”
On occasion Pain filled in paperwork by hand and swapped hands to make the handwriting look different on claims. She also provided supporting documents such as NHS paperwork on medical procedures, maternity certificates, and forged letters from Her Majesty’s Court Service as “proof” of jury duty.
She pleaded guilty to two counts of fraud at a hearing in August. Some of her 31 successful claims included:
- September 2010 - (Dental Surgeon) - claim for loss of earnings due to jury service. Received £2,250
- February 2011 - (GP) “To care for seriously injured son following skiing accident. Dr Burnier, I.C.U. Dept Hospital of Sion Switzerland”. Received £6,860
- December 2013 - (Dental Surgeon) “Whilst on a golfing trip to Spain my husband suffered a ruptured duodenal ulcer and was hospitalised for 11 days. I had to fly out to Murcia to be with him then arrange his return back to UK”. Received £4,778,67
- August 2014 - “My teenage daughter has been undergoing treatment relating to anorexia & other psychological issues. Due to her vulnerable state of mind I had no option but to take a leave of absence in order to care for her & to arrange for emergency psychological evaluation and subsequent (long-term) counselling”. Received £4,554.66
- August 2015 - (Dental Practitioner). Maternity claim. Received £2,500.
The CPS has applied to Liverpool Crown Court to recover the stolen funds from Pain under the Proceeds of Crime Act.
Notes to editors
- Susan Pain (DOB: 07/04/1967) pleaded guilty to two counts of fraud at a hearing on 21 August at Liverpool/Knowsley Magistrate's Court:
- Between 1st January 2010 and 1st August 2017 at Liverpool committed fraud in that you dishonestly made false representations, namely submitting 31 fictitious claims to AXA Insurance, intending to make a gain, namely money for yourself, Contrary to sections 1 and 2 of the Fraud Act 2006.
- Between 1st July 2017 and 1st August 2017 committed fraud in that you dishonestly made a false representation, namely submitting a fictitious claim to AXA Insurance, that you in your married name were a dental surgeon and had a daughter called Sophie who sustained serious multiple injuries in a terrorist attack at Manchester arena intending to make a gain, namely money, for yourself, Contrary to sections 1 and 2 of the Fraud Act 2006.
- She joined Money Medical Management aged 16 as a trainee and eventually became a director during her 34 years with the firm. Her monthly take home salary was £2,500 when the fraud came to light.
- Henry Pepper is a senior crown prosecutor for CPS Mersey-Cheshire.