Thomas Lloyd was born on 8 August 1905, the eldest son of Colonel and Mrs John Lloyd of Dinas House, Brecon, South Wales.

He joined submarines as a Sub Lieutenant in July 1927 and was sent to Hong Kong in November 1927 and joined HMS L15 as First Lieutenant. He was promoted Lieutenant on 1st February 1928 and, in June 1931, was appointed to HMS ODIN as First Lieutenant. On his return home he was appointed to L56 as First Lieutenant in November 1933.

Lloyd was then appointed to the Commanding Officers Qualifying Course in September 1934, followed by taking command of HMS L54 in December 1934. He was promoted Lieutenant Commander in February 1936 and joined the battleship HMS RAMILLES for his so-called ‘Big Ship’ time.

On his return to submarines, he took command, in July 1938, of HMS TRIDENT in build at the Vickers Armstrong Shipyard at Barrow in Furness. He died in HMS THETIS, which sank during trials on 1 June 1939, when he was on board for familiarisation before the commissioning of TRIDENT. Thomas Lloyd was the husband of Marie McRae Lloyd (née Smith) and the father of a two-month-old baby. He was buried privately.