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
New showroom for car dealership approved by county planners
PLANS for a new showroom for a Pembrokeshire car dealership which has recently acquired a new Isuzu vehicle franchise, have been given the go-ahead.
In an application to Pembrokeshire County Council, Gareth Hughes Motors of 25 Burton Road, Sardis, through agent Hayston Developments & Planning Ltd, sought permission to replace a temporary canopy with fixed permanent mini-showroom.

A supporting statement said: “Gareth Hughes Motors is a family run enterprise, established in 1982. In order for the business to respond to the latest technological advancements, especially those related to the transition to hybrid and electric vehicles, additional space and different resources will be required.
“Approval of this application will assist in the delivery of these required resources, associated staff training and recruitment for the servicing of electric vehicles will also lead to the retention and provision of skilled employment.”
It says the extension will be designed to allow sufficient space to display Isuzu vehicles, an additional motor franchise recently acquired by the dealership, with no changes proposed to the existing access from the C3007 as the mini-showroom would take place to the rear of the site and replace an existing canopy structure.

It added: “The environmental impacts from the proposal are minimal as the replacement structure takes place on a concreted/bitumac surface which is currently used for the parking of cars. In addition, the design and use of materials complements that of the current showroom and repair shop and by the addition of a bird and bat box on the south-east of the proposed extension.
“The proposed new mini-showroom will accommodate a maximum of two vehicles and would take place to the rear/side of the site and would be constructed in materials which complement those of the existing showroom and service bays.
“Although Gareth Hughes Motors is located within a group of residential properties it is considered that there will be no significant negative impacts on those neighbouring properties because of their distance from the application site, the orientation of the buildings.
“The securing of an additional franchise at this Sardis site will both help secure the future of the existing staff and create opportunities for additional employment in the motor trade.”
The application was conditionally approved by county planners.
Business
The Cheesecake Guy Ltd plans withdrawn following community council objections
PLANS for what could have been the third store in the country for Welsh cheesecake business The Cheesecake Guy Ltd at Saundersfoot’s Coal Building interpretation centre have been withdrawn.
In an application to Pembrokeshire Coast National Park, Craig Taylor of Merthyr Tydfil-based The Cheesecake Guy Ltd sought a change of use of part of Saundersfoot’s Cambrian Terrace Coal Building interpretation centre to create a small retail unit.
On its website, The Cheesecake Guy says of its business and products: “Established in 2019, The Cheesecake Guy is all about delivering indulgent, handcrafted cheesecake desserts with a twist. While we offer a range of sweet treats, our specialty — and customer favourite — is the signature cheesecake jar.
“Made with quality ingredients and packed with rich, creamy layers, our jars are the perfect dessert for any occasion. Whether you’re treating yourself or sharing with others, The Cheesecake Guy brings a spoonful of happiness to every bite.”
While no supporting statement was published for the Saundersfoot proposal, the application said the scheme, if approved, would employ two full-time members of staff, operating 10am-6pm Mon-Sat, and 10-5 on Sundays and bank holidays.
Of the scheme itself it said it would involve “retail sales of pre-prepared desserts and merchandise,” adding there will be “no on-site manufacturing or heavy processing,” with “equipment limited to display fridges and freezers”.
If approved, the Saundersfoot site would have been the third outlet for The Cheesecake Guy, with sites in Merthyr, and, more recently, Newport Market.
For its Newport site, The Cheesecake Guy says: “We specialise in creating a wide variety of cheesecake desserts that cater to all tastes. Our menu features popular favourites that have won the hearts of many, alongside exciting new creations designed to keep your taste buds satisfied.
“Whether you’re a classic cheesecake lover or an adventurous foodie, we promise a cheesecake experience like no other. Each cheesecake is made with the utmost care, ensuring a rich, creamy texture and a burst of flavour in every slice (or jar!).”
Since the application was submitted, Saundersfoot Community Council objected “on the basis that the harbour is diluting the original intention of this area, which was designed to be an educational section of the development”.
The application is now, as of June 19, marked as withdrawn.
Business
Amended Fishguard children’s home scheme approved
AN AMENDED scheme for a children’s care home on the edge of Fishguard has been approved after a previous call was refused.
In an application to Pembrokeshire County Council, Martin Leahy of Ty Caredig Ltd sought a certificate of lawfulness permission for the use of a dwellinghouse to a residential care home for up to two children at Bryn Delyn, Y Fraich, Fishguard.
Last November, a similar call to allow Bryn Delyn to be used as a children’s home, which raised fears from local objectors the scheme was being ‘rubber stamped’ by the council, was refused.
In that application to the council, Cardiff-based Ty Caredig Ltd sought permission for a Certificate of Lawfulness on the basis the use was not materially different from the property’s existing lawful use.
Residents had accused the council of “pushing through a highly controversial children’s home application behind closed doors”.
A supporting statement for that scheme, with many redacted parts, said the four-bed property had a lawful use as a dwelling house; saying the use as a care home did not require planning permission through a change of use.
However, planners said the use of the dwelling as a care home “would represent a material change of use requiring the benefit of planning permission”.
Since then, amendment to the scheme, for a lawful change of use was submitted, a supporting statement saying Ty Caredig Ltd operates homes throughout Wales that provide specialist care for children, the latest scheme “seeks formal confirmation that the proposed use of Bryn Delyn as a children’s care home for up to two children (plus care staff) would not require planning permission”.
Fishguard Town Council objected, on the grounds of highway safety and parking issues.
It also raised points of “apparent discrepancies between the planning application and the information available on the website,” but stressed it did support provision of suitable accommodation for vulnerable young people and children “with the correct infrastructure in place”.
Local county councillor Cllr Par Davies has said the scheme has her “full support,” as did the certificate call, adding: “Rumours abound regarding this application with objections concerning the usage of the property as a care home for young people. The application states that only two young people would be cared for in the property.
“This type of property is needed as we often talk as councillors for the need for Pembrokeshire children in care to remain in Pembrokeshire instead of the alternative of moving them to other areas in the country and this application fulfils that need.”
The application was approved by planners, the approval stating “Based on the information submitted and on the balance of probability it is considered that the use of the property as a residential care home for up to two children would not result in a material change of use from the lawful use of the property as a dwellinghouse and as a result a certificate of lawfulness for a proposed use should be granted.”
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