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When Croydon Council follows a tip-off about a benefit claimant using a stolen identity, the fraud team uncover a Jamaican over-stayer who has lived in the UK on a 拢42,000 hand-out from the taxpayer.

And when a paragliding accident left Richard Offor facing a lifetime in a wheelchair and his business in tatters, it was a government scheme which offered a glimmer of hope for the future.