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


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
Officer to decide Milford Haven Chinese restaurant housing
THE FINAL decision on a scheme to convert a vandalised former Pembrokeshire town centre Chinese restaurant to a flat and bedsits will be made by a senior planning officer after a compromise aimed at addressing some concerns raised was offered.
In an application recommended for approval at the February meeting of Pembrokeshire County Council’s planning committee, Mr S Sahin and Miss S Ahmed, through agent Hayston Developments & Planning Ltd, sought permission for a change of use of Grade-II-listed 20 Hamilton Terrace, Milford Haven from the former Mandarin Restaurant to one flat and eight bedsits.
The application had previously been recommended for approval at the January meeting, but was deferred pending a site visit after member of the public Jessica Clarke raised concerns about the potential impact on her mother’s neighbouring property, with issues of height and massing, surface water discharge, and shared boundary walls.
The scheme, in the town’s conservation area, was before committee rather than delegated to officers as it was recommended for approval despite being contrary to development plan policy.
A supporting statement said: “The property has historically been in use as a Chinese restaurant on the ground floor with two flats on the upper floors of the building. The ground floor use of the building ceased some 10 years ago and currently lies vacant. Due to the lack of use of the building, it is in a very poor condition and has been the subject of unfortunate vandalism particularly to the interior of the building.”

It added: “The proposal would represent a high-quality and sympathetic conversion and extension of the building, and which would make a positive contribution to the locality and conservation area status.”
Speaking at the February meeting agent Andrew Vaughan-Harries said, following the site visit, an alternative hip-roof as “a compromise” to lessen the impact on neighbours by reducing the £200,000 investment’s scale and bulk.
Speaking again at the meeting, Jessica Clarke said she, and her mother, were standing by their previous objections, saying the extra stress to her mother had caused “many sleepless nights” on the impact on her “much-loved home and garden”.
Chair Cllr Mark Carter said the application was “a tough one to determine,” with the benefits of extra homes and investment in a run-down building the town set against a potential impact on the quality of life for the neighbour.
He said, after having spoken to the chief planning officer, a way forward could be delegation for final approval going to that officer on condition the hip roof design could be formally agreed.
Members backed that compromise position, with Cllr Carter expressing his sympathy at the concerns raised by the neighbours.
Business
Development above CKs Foodstores, Milford Haven, approved
PLANS for five flats above a supermarket in the centre of Milford Haven have been approved.
In an application to Pembrokeshire County Council, CKs Foodstores Ltd, through agent Josephine Davies, sought approval for a change of use of a first-floor supermarket shop store area to five studio flats at 55-57, Charles Street, an amendment from an initial application for six flats.
The application was supported by Milford Haven Town Council.
An officer report recommending approval said a public consultation exercise was held on the initial plans, with one response from a member of the public who “did not raise any objection to the principle of conversion to flats but had concerns with regards to the impact of the proposal upon the privacy of existing nearby occupiers”.
It said that amendment to a smaller number of flats had addressed that concern.
The report added: “It is considered that the proposed layout of the flats is an appropriate response to the building, having regard to its form and scale and its location.
“New access and window openings have been proposed to accommodate the conversion of the first floor and these are considered appropriate to the proportions of the existing building and will serve to improve its design and appearance by providing variation to the building fenestration, particularly to the eastern elevation along Priory Street and to the rear onto Robert Street, in turn improving the vitality and animation at street level, uplifting a presently tired and uninspiring building in this prominent corner, town centre location.”
It went on to say: “The introduction of an entrance (which will lead to a stairwell to the commercial unit below) and patio doors onto private ‘front garden’ areas to flats 4 and 5 will significantly change this area, from the back of a commercial building/service area to a residential frontage which positively addresses Robert Street and the existing residential on the opposite side of the road.”
The application was conditionally approved by county planners.
Business
Bosherston bistro alcohol license antisocial behaviour fears
A CALL to allow the selling of alcohol as late as 10pm at a rural beauty spot former village tearoom will “create an absolute nightmare” exacerbating an already growing issue with antisocial behaviour, objectors have said.
At Pembrokeshire County Council’s licensing sub-committee meeting of February 19 members will consider an application by Sarah Jane Partridge and Robert John Secrett for a new premises licence at Bosherton Bistro, Old World Cottage, Bosherton.
A report for members says it is proposed the premises, formerly a tearoom called ‘Ye Olde Worlde Café’ would open 8am-10pm, selling alcohol from 9am on and off site, seven days a week in the village near the famed lily ponds.
Since the proposal for the site, close to the village pub The St Govan’s Inn was publicised, 13 objections were received, including Stackpole and Castlemartin Community Council.
In its submissions, the community council said it “will cause a significant public nuisance in the residential area”.
“Bosherston village is a remote village and currently has four well-established camp sites which already frequently cause late night disruption, littering and anti-social behaviour caused predominantly by intoxicated individuals.
“Residing next to the Stackpole Estate, an area of outstanding natural beauty (many areas covered by SSSI), noise generated by outdoor activities, such as the consumption of alcoholic beverages and indoor music and dancing, will generate unacceptable noise levels for residents and have an impact on local wildlife.”
It went on to say: “The provision of alcohol for such extended hours increases the risk likelihood of individuals engaging in criminal activities. Late-night alcohol sales are often associated with increased incidents of drunkenness, vandalism, and other public disorder offences. Instances of aggressive behaviour and trespass are already prevalent within the village by visitors under the influence of alcohol.
“The selling of alcoholic off-sales from such extended hours will likely pose an increased risk to public safety, exasperated by the influx of people late at night leading to confrontations, accidents, and a likely strain on local emergency services.”
Concerns raised by members of the public included “the application as currently written allows for a pub-style operation with morning drinking, off-sales, and dancing,” and “greater access to alcohol for unlimited campers cannot possibly result in anything but an increased problem with drunkenness, drink driving and antisocial behaviour,” and a call imploring “no to a licence, under any circumstances” says the alcohol licence “will not only make life for the residents in the immediate area an absolute nightmare, it will also have a hugely detrimental effect on the village as a whole and could threaten the peace and beauty of the surrounding ponds, beach and coastline.”
Another said: “One unintended consequence of this application has been increased discussions among neighbours regarding the prevalence of antisocial behaviour in the area. There is genuine concern that increased availability of alcohol may contribute to a rise in such behaviour, potentially placing significant strain on the already stretched emergency services.”
The application will be considered at the licensing committee.
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