Hi Neil,
I found a whole history of the Loch family - "The Family of Loch" - on Ancestry.com written by Gordon Loch, and in the chapter, Lochs of Ireland, he states that John Loch was at the battle of Waterloo. He was the paymaster - supose he didn't get a medal for looking after everyone's money. The piece goes as follows :
"He was appointed Ensign in the 70th Foot on the 21st November 1796, and was promoted to Lieutenant on the 7th June 1797 and to Captain in the 83rd Foot on the 3rd July 1801. He was transferred to the 25th Foor (afterwards King's Own Scottish Borderers) on the 24th February 1803, and became Paymaster of the 2nd Battalion on the 29th August 1805. The 2nd Battalion was stationed at Antwerp and Brussels in 1815, and John was present at the battle of Waterloo."
He was placed on half-pay on the 25th April 1816, and died at Houghal, Country Cork, on the 14th January 1831.
Hope that clarifies it a bit. Thanks for you help.
Jane