Charles was born in Willenhall on 21 May 1889, the son of Alfred and Mary Lloyd. They were then living at 17 Bridge Street, Portobello. By 1901, the were living at 32 Dark Street, Heath Town, along with Charles’s siblings Harry, Margaret, Mary, Betsey, Edward, Alfred, William and Alice. By 1911, they were at 4 Chapel Street, Moseley Village, and Charles had become a blacksmith. He married Minnie Lett in Wolverhampton in 1911, and they went on to have three children – Edward C., William and Charles – between 1911 and 1915.
Charles enlisted in the 8th Battalion of the South Staffordshire Regiment (number 15526). He first served in France from 14 July 1915, but was killed in action on 5 July 1916. He is commemorated on the Thiepval Memorial, and he may be the “C. Lloyd” listed on the roll of honour of the Weldless Steel Tube Company Ltd.