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  1. ITV Report

Woman said 'daughter' was injured in Manchester terror attack to claim cash

Photo: Susan Pain

A cold-hearted conwoman pretended her "daughter" had been severely injured in the Manchester Arena terror attack as part of bogus insurance claims that netted her more than £142,000.

Susan Pain said her girl was forced to undergo two major operations after the bombing - part of a cocktail of lies she told to make fake expenses claims.

The 51-year-old, who in fact has no children, also invented cancer battles, pregnancies and jury duty to underpin her scam.

Pain, an insurance broker, used her inside knowledge of the industry to submit 31 false claims that led to pay outs worth £142,334.

A director of a firm that sold policies underwritten by AXA, she oversaw a section of the company that insured people in the medical and dental professions against unexpected overheads caused by sickness, maternity, family emergencies and jury service.

The fraudster's seven-year plot was finally busted when she stooped so low that she made up a daughter and claimed she had been injured in the Manchester Arena bombing in May 2017.

Making the claim under her own name, she thought she would avoid detection because she was known professionally by her former name - Susan Raufer.

But her claim for loss of earnings fell apart when AXA was unable to find any record of her 'daughter' among the hundreds who suffered injuries at the Ariana Grande concert, where 22 people were also killed.

AXA then reviewed a host of other claims linked to Pain, of Shakespeare Avenue in Kirkby, Merseyside, and uncovered years of lies.

They found that, between March 2010 and July 2017, she made 31 fraudulent insurance claims in the names of friends and family, plus some in her own name.

In one of the claims, she posed as an orthodontist who had taken leave because a daughter required open heart surgery and the hospital was far away from their home.

In other claims she said family members of the medical professionals submitting the applications were suffering different types of cancer. Others involved bogus jury service and maternity leave.

To back up her claims, Pain forged the signatures of the supposed claimants and provided documents - including NHS procedures and maternity leave papers.

She even forged letters from Her Majesty’s Court Service calling the claimant for jury service.

To launder the payouts, she asked her innocent friends and family, whose names she had used to make the claims, to receive the money into their bank accounts through cheques and transfers.

Her friends and family had no idea about Pain's scams - only agreeing to receive the money because she told them it was her bonus payments and she would be able to get a tax advantage if the money was paid into their accounts.

A financial investigator in the City of London Police’s Insurance Fraud Enforcement Department (IFED), which led the criminal probe, discovered the money had been returned to Pain and no fraud was carried out by any of the family or friends.

After hearing details of the case, Judge Alan Conrad, QC, jailed Pain for two years at Liverpool Crown Court today.

Commenting after Pain's sentencing, Detective Constable Ant Andrews, who the led the investigation for the IFED, said:

Pain exploited the tragic terror attack at the MEN Arena, as well as other examples of human suffering, to make a financial gain. “She betrayed the trust she had with her friends and family, using their details to make the false claims, then lying to them so she could receive the money she’d stolen.

She is now paying a significant price for her fraudulent activity, not just with the sentence handed down by the court, but also with the loss of her job and reputation.

– Detective Constable Ant Andrews