Here's a possibility - you've probably considered it already.
Was Thomas Henry illegitimate and invented a father for the sake of respectability?
Did he use the middle name "Henry" as an affectation?
He was recorded as age 29 in the 1881 Census, so is this him in earlier life ??
1871 Severn Stoke, Worcestershire
RG10/3057 folio 51 page 13
"Sandford"
Richard Lloyd, head, widower, 83, ag lab, Cradley Hereford
Thomas Lloyd, grandson, unmar, 19, ag lab, Severn Stoke Wor'shire
Mary Bubb, daur, mar, 44, Severn Stoke Wor'shire
Matilda Bubb, grandaur, unmar, 16, Pirton(?) Wor'shire
next door..
Richard Lloyd, head, mar, 26, ag laborer, Severn Stoke Wor'shire
Mary Ann Lloyd, wife, mar, 23, Badsey Wor'shire
Minnie Sue Lloyd, daur, 2, Severn Stoke Wor'shire
1861 Severn Stoke, Worcestershire
RG9/2099 folio 48 page 9
"Clifton"
Richard Lloyd, head, mar, 74, ag lab, Bosbury Herefordshire
Christiana Lloyd, wife, mar, 65, Sandford Worcestershire
Elizabeth Lloyd, daur, unm, 40, Sandford Worcestershire
Christiana Lloyd, granddaur, 16, Sandford Worcestershire
Thomas Lloyd, grandson, 10, Sandford Worcestershire
1851 Severn Stoke, Worcestershire
HO107/2043 folio 559 page 10
"Sandford"
Richard Lloyd, head, mar, 60, ag lab, Bosbury Worcester
Hannah Lloyd, wife, 57, mar, Severn Stoke Worcester*
Elizabeth Lloyd, daur, unm, 31(?), ag lab, Severn Stoke Worcester
Ann Lloyd, daur, unm, 21(?), servant, Severn Stoke Worcester
Richard Lloyd, grandson, 6, scholar, Severn Stoke Worcester
Hannah Lloyd, granddaur, 6, scholar, Severn Stoke Worcester
Thomas Lloyd, grandson, 10m, Severn Stoke Worcester
*Hannah = short for Christiana
1841 Severn Stoke, Worcestershire
HO107/1206/3 folio 6 page 4
"Upper Sandford"
Richard Lloyd, 50, ag lab
Christiana Lloyd, 45
John Lloyd, 20, ag lab
Elizabeth Lloyd, 20
Mary Lloyd, 15
All recorded as born in Worcestershire
AND ...
Thomas LLOYD
chr 04 June 1850 Severn Stoke, Worcester
Mother: Anne LLOYD
Father not named!
[IGI]