Loxley is quick, intelligent, sharp-witted, good-natured, and humorous. He takes care of the thieves working for him, and they return the favor with their loyalty. He gives about twenty percent of the money stolen to the Old Town mutants, as charity.
Loxley strongly identifies with the original Robin of Locksley, Robin Hood. He pretends to have a British accent, even though he's not really English. His real name isn't even Loxley. He generally loathes to use violence and kill, as dead people make poor returning "customers". Under his leadership, the Guild usually avoids any business with Decker.
Steal necklace from the Merchants: When the Vault Dweller finds the Thieves' Guild hideout in the basement by avoiding mines and unlocking doors, Loxley will offer them a place in the Guild, for the price of completing a test. The test is to infiltrate Daren Hightower's house and steal his necklace.
"Need to be a bit careful there. The Rippers and the Blades like to carve you up just for fun. While the town there, Adytum, just tries to stay alive. If you find yourself traipsing around there and happen on the Blades, make sure to say cheers to Razor for me. Thinking of her brings back memories, it does."
"Criminals. Absolute criminals. They're squeezing the life out of the town. The Far Go Traders, the Crimson Caravan, and the worst of the bunch, the Water Merchants. You can have the lot."
"Now there's a scary bunch. They strut around all day talking about their Night God, as if he's the next best thing since merchant pockets with holes. They can heal you up pretty cheap. I'll give'em that. You can find'em in that hospital of theirs downtown."
"Not much to tell, really. Nighttime, scare your children stories about a beastie living up north and feeding on the flesh of bad little children everywhere."
"They have a little general shop downtown. Can't trust'em, though. Hiding in their bloody warehouse most of the time. They do sell some mean chems and medkits, though. A lot cheaper than the stupid Children of the Cathedral, I can tell you that."
"No. Decker's a slick one. He's got the whole town in his pocket, he does. He gives his 'protection' to the merchants, all the while pitting them against each other. Not someone you want to mess with, but he can usually be found in the Maltese Falcon."
"About three years ago, one of the merchants went way down south looking for other towns. He came back all hair and teeth falling out, babbling about some huge span of radiation. Who knows, maybe something special down there before the war."
"Most of the poor who work for the merchants live here, in buildings so thin they don't block the sun. Meanwhile, those rich bastards are comfortable in their nice homes over in the Heights. Makes me ill."
"Not too fond of us actually."
"Oh, what a woman! She used to be a thief here, until she decided to move down south to the Boneyard. Last I heard she joined up with the Blades. Ah, well, brains weren't her strongest part."
"The closest thing to decent of all the three caravans. Only missed it by a few miles."
Loxley's English accent, mannerisms and derring-do behavior are strongly reminiscent of Robin Hood. His fake/fading accent may be a reference to Kevin Costner's own constantly-disappearing accent in the film Robin Hood: Prince of Thieves in which Costner plays the titular character. His name is also a reference to the village of Loxley, the alleged birthplace of Robin Hood.
Fallout designer Scott Bennie called "Locksley" his least favorite thing he worked on in Fallout, saying he was "too cutesy in tone", calling him "one of the least memorable major NPCs in either of the games".