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Concern for vulnerable as Pembroke Dock’s Lloyds branch to close

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PEMBROKE DOCK will lose its last remaining high street bank when Lloyds Bank closes its branch on Dimond Street on June 26, 2025.

The closure will leave the town without a dedicated banking service, a decision that has been met with disappointment from local representatives.

‘A significant impact’

County Councillor for Pembroke Dock, Joshua Beynon, has strongly criticised the move, urging Lloyds to reconsider.

“I’m deeply disappointed to learn that Lloyds Bank will be closing its Pembroke Dock branch,” he said. “This decision will have a significant impact on local residents, businesses, and those who rely on in-person banking services.

“While Lloyds is introducing a Community Banker, this simply does not replace the full services of a branch.

“Many vulnerable customers, elderly residents, and those without access to digital banking will be left struggling.

“Local banking services are vital for our community, and I urge Lloyds to reconsider or, at the very least, strengthen their support for those affected.”

The branch, currently open Monday to Friday from 9:30am to 4:30pm, is the last high street bank in Pembroke Dock following the closure of Barclays in 2019. The former Barclays building has since been converted into a beauty salon.

Nationwide closures

The closure is part of a wider cost-cutting strategy by Lloyds Banking Group, which is shutting six Lloyds and Halifax branches in Wales and 136 across the UK. The bank cites a shift towards online banking as the reason, reflecting changing customer habits.

However, critics argue that Lloyds has actively encouraged customers to switch to digital services, reducing face-to-face interactions and pushing them towards self-service machines and online transactions.

Consumer advocacy group Which? has been tracking the trend of bank branch closures and reports that more than 6,000 branches have shut down in the UK since 2015, highlighting the scale of the issue. The closures have sparked concerns among community leaders, consumer groups, and banking unions about the impact on local access to financial services.

Senedd Member for Carmarthen West and South Pembrokeshire, Samuel Kurtz, visited the branch to speak with staff and assess the situation. While he welcomed the fact that no jobs would be lost at this particular branch, he emphasised the importance of maintaining banking services in local communities.

“Businesses use this bank, customers use this bank, so ensuring that we’ve got access to cash and access to banking services in our towns and on our high streets is really important,” he said. “That’s what I’ll be pushing for when I’m back up in Cardiff Bay.”

Not great for customers: Lloyds bank in Milford Haven closed in 2016 (Pic: Herald)
Lloyds Bank gone: Main Street branch closed its doors in 2016 (Pic M Hillen)

Concerns for vulnerable customers

The Digital Poverty Alliance estimates that around 11 million people in Britain struggle to access and use online services, while a survey by Age UK found that 40% of people over 75 do not use the internet at all. The closure of physical bank branches is expected to disproportionately affect elderly customers, people with disabilities, and those on lower incomes.

The trend of bank closures has led to mixed reactions from various stakeholders, reflecting a divide in opinions about the shift towards digital banking. While some argue that online services offer convenience and security, others highlight the difficulties faced by individuals who rely on in-person banking.

Union involvement

The Accord union, which represents Lloyds employees, has reached out to all impacted members, offering guidance and support during this transition. The union has committed to minimising compulsory redundancies and ensuring fair compensation for departing employees.

“These reactions reflect the broader concerns about the impact of branch closures on local communities, particularly regarding access to cash and in-person banking services for vulnerable populations,” an Accord representative stated.

Post Office steps in

In response to the closure, the Morrisons Daily and Post Office in Pembroke Dock has reassured customers that it will continue to provide essential banking services.

Customers will be able to check their balance, deposit cash and cheques, withdraw money, request change, and access foreign currency at the Post Office. The service is available seven days a week from 6:00am to 10:00pm.

“Any Lloyds customers unsure of their future banking plans are welcome to visit us, and our staff will be happy to explain how we can help,” a spokesperson for the Post Office said.

Community Banker Support

Lloyds has confirmed that a Community Banker will be available to assist customers who may struggle without a local branch. These bankers will operate from designated community venues or Banking Hubs and will offer a range of services, including:

  • Card and PIN services, including reporting lost and stolen cards or ordering replacements.
  • Assistance with managing accounts, including updating personal details, viewing and ordering statements, and closing accounts.
  • Support with Internet Banking and the Mobile Banking app.
  • Guidance on Telephone Banking services.
  • Help with payments and transfers, including setting up Direct Debits and standing orders.

Additionally, Community Bankers will be available to support customers facing financial difficulties, including those dealing with bereavement, appointing third-party account management, fraud concerns, and general money worries. Business customers will also receive guidance on account management and select card and payment services.

Lloyds has encouraged customers to locate their nearest Community Banker for further support and to ensure continued access to essential banking services.

 

Business

Pembroke South Quay boat shed expansion plans submitted

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A PADDLEBOARDING and canoeing company’s call for an extension to a boat shed at Pembroke’s South Quay, below its historic castle, has been submitted to county planners.

In an application to Pembrokeshire County Council, G Booth of Paddle West CIC, through agent James Dwyer Associates, seeks permission for an extension to the stone-built boathouse, adjacent to the cliff on South Quay fronting the Mill Pond, Pembroke.

A supporting statement says: “It is intended to erect a single storey ‘lean-to’ building, or ‘shed’ for the storage of boats, such as canoes and kayaks, and related equipment, on a vacant space adjacent to the existing stone-built boathouse.”

It adds: “The boathouse and the intended adjacent boat storage shed is located, as is to be expected, in close proximity to water, the Mill Pond. The Mill Pond is the main area of activity for Paddle West, a Community Interest Company, providing boating activities, kayaking, canoeing and paddle boarding, frequently for young people and families.”

It goes on to say: “It is intended that the structure would be lightweight, erected on the exiting hard standing. The ‘shed’ would be used for the storage of boats and related equipment.”

With regard to the historic setting, it adds: “Although the stone-built boathouse appears not to be listed, it is recognised that the walls above are listed and together they are a piece.

“Accordingly, through form and external materials proposed, timber cladding and profile sheet roofing, the aim is to ensure that the structure would be subservient and muted and not detract or compete with the visual aesthetic of the boathouse or historic walls. In effect the addition would blend into the background.”

The application will be considered by county planners at a later date.

The boathouse is sited near to the new Henry Tudor Centre in South Quay, which is due to open in Spring 2027.

The centre, expected to receive around 30,000 visitors a year, will tell the story of Henry Tudor, son of Pembroke, his Welsh ancestry and his impact on our national story, Welsh culture and our wider British heritage.

The restored derelict South Quay buildings will also house a new library and community café, and a healthcare, social services and supported employment facility in the adjoining premises.

 

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Business

Pembrokeshire hospitality rates relief scheme backed

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A WELSH Government-funded scheme to provide rates relief for hospitality businesses has been backed by senior Pembrokeshire councillors.

A report for members of Pembrokeshire County Council’s Cabinet at their March meeting said: “Welsh Government has introduced the Food and Drink Hospitality Rates Relief, this relief is aimed at eligible businesses in Wales in the food and drink hospitality sector for example, pubs, restaurants, cafes, bars and live music venues.

“The aim of the relief is to support eligible businesses to manage continued cost pressures. The relief will apply to all eligible occupied properties by offering a discount of 15 per cent on non-domestic rate bills for the period April 1 to March 31, 2027. The relief is capped at £110,000 per business across Wales.

“As this is a temporary measure, Welsh Government is providing the relief by reimbursing local authorities that use their discretionary relief powers under Section 47 of the Local Government Finance Act 1988.”

It concluded: “The food and drink hospitality rates relief 2026-27 requires the local authority to adopt a discretionary scheme [as outlined] and in accordance with the criteria and conditions specified in the guidance issued by Welsh Government.

“It is proposed that Cabinet resolve to adopt [the scheme] which can be applied to administer the relief. Welsh Government will reimburse local authorities for the relief provided in line with their guidance via a grant under section 31 of the Local Government Act 2003.”

Members backed the recommendation.

All eligible businesses must apply for this relief by the March 31, 2027, and an application form will be available on the council’s website from the April 1.

The maximum cash value of the rates relief allowed, across all properties in Wales occupied by the same business should not exceed £110,000. Businesses claiming the relief must declare that the amount being claimed does not exceed those limits.

 

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Business

Rosemarket Dawn Till Dusk golf club 18-hole plans lodged

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A CALL to extend a long-established Pembrokeshire golf club, bringing it up to a full 18 holes, has been submitted to county planners.

In the application, Mr and Mrs Young, through agent Preseli Planning Ltd, seek a change of use of land adjoining the Dawn Till Dusk Golf Club, Furze Hill Farm, Bastleford Road, Rosemarket, to form an extension to the existing golf course, along with landscaping and associated works.

A supporting statement through the agent says: “The application seeks full planning permission for the enlargement of the existing golf course to provide an additional six holes, to provide a total of 18 holes.

“The proposal would involve minor landscaping works to the fields and boundaries and the creation of a small number of ponds and bunkers. The extension would be located on land to the west of Furze Hill Farm and on the opposite side of the road to the existing golf course and clubhouse.

“An altered access to the land parcel is proposed as part of this application, which would provide an improved route for users crossing the public highway to avoid conflict with movements at the main entrance.

“The application site exceeds 1ha and therefore the proposal is considered major development necessitating a Pre-Application Consultation prior to formally submitting the planning application to the Local Planning Authority.”

It adds: “The existing golf course has operated in excess of 30 years and is popular with both visitors and locals. Club membership currently stands at approximately 350 and there is demand for enhancing the provisions of the course.

“The applicants’ sons have recently increased their involvement in the enterprise and in recent years wet winter months have necessitated the closure of the course, or parts of it, due to the ground becoming waterlogged, primarily due to the flat nature of the existing course.

“The extension would provide variation to the terrain, providing, dryer conditions, as well as the ability to alternate between the existing and proposed to maintain use, enhancing the viability of the enterprise.”

The application will be considered by Pembrokeshire County Council planners at a later date.

 

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