Just to add more info from the wonderful Nemo

I have had a further look at the Benjamin and Elizabeth Lloyd nee Collins conundrum. I hope that none of this has already come up under your Beginners Forum query “London Mystery” which is 28 pages - and still growing!
1799 – London Gazette states
“Notice is hereby given, that the Partnership lately subsisting between Benjamin Lloyd and Robert Jones, of Worcester, Grocers and Tea-Dealers, under the Firm of Lloyd and Jones, is this Day dissolved by mutual Consent. All Persons indebted to the said Partnership are requested immediately to pay their respective Debts to either of the said Parties. Benjamin Lloyd. Robert Jones.
(Neither man appears in the Worcester Royal Directory for 1794)
In 1802 Benjamin Lloyd Gent (this might have been the above BL) married Elizabeth Collins at St Nicholas, Worcester. There is no further reference to Benjamin, Elizabeth or any children’s baptisms or burials from 1802 to 1819, the date you have for BL dying in Heligoland. From “London Mystery” it seems possible that the same Benjamin Lloyd had undertaken a new enterprise as a Merchant in Liverpool where he was declared a bankrupt in 1806. (Northampton Mercury Saturday 1 March 1806) A year later there was talk of a dividend being paid (Morning Chronicle 4 March 1807)
In the same year 1807 John Ballard Lloyd was baptised at St Clements church in Worcester.There are no further baptisms or burials for JBL’s family in St Clement parish between 1802 and 1819, the year Benjamin Lloyd died in Heligoland.
John Ballard Lloyd is mentioned along with his mother in John Ballard’s 1817 will. In the 1794 Directory there was a John Ballard who was a grocer at 64 Broad Street. This may have been the John Ballard who died in 1817 when he was 72 years old - and was Mayor? The funeral took place at St John’s church, although he was buried in the graveyard at St Oswald’s Hospital. The chapel was a popular place for bapts marriages and burials. St John’s parish is on the west side of the river. This would have been the parish church for JB’s home being at LOWER Wick, rather than Wick which is near Pershore and seems unlikely to have been where he was living at the time of his death. JB’s will was proved in the Prerogative Court of Canterbury