Frances (Howlett) Herring’s Financial Crisis 1843

We had suspected that Frances (Howlett) Herring endured a financial crisis after the death of her husband Jonathan Herring in 1840 because at the time of the 1841 Census they had left King’s Lynn and were living in Terrington St Clement.

A recent search of newspapers at the time have revealed how dire and how public the problems really were.

In hindsight, there is a hint early on that the couple may have been experiencing financial difficulties.  Check out this ad from the Lincolnshire Chronicle dated September 27, 1838. Jonathan Herring has listed both properties: 2 Saturday Market to be sold or let and their ‘genteel apartments’ at 27 Tuesday Market to be let.

Jonathan Herring's Ad in the Lincolnshire Chronicle September 27, 1838

Jonathan Herring’s Ad in the Lincolnshire Chronicle September 27, 1838

We know that the couple inherited the Saturday Market property from Frances’ father John Howlett in 1828.  Did the couple over extend themselves by acquiring the shop and apartment on Tuesday Market?  Were they living beyond their means?  According to the Burgess Rolls and the Burial records, he held the property on Tuesday Market until his death despite the attempt to rid themselves of it.

The matter seemed to come to a head for Frances in 1843.  In June, a notice appeared in local papers which announced her intention to “present a Petition to the Court of Bankruptcy.”  She intended to file for protection under An Act for the Relief of Insovlent Debtors which was passed in 1813, but to do so would have required the permission of her creditors and likely exposed her to jail time.

Frances (Howlett) Herring's Notice is in the Norfolk Chronicle June 24, 1843

Frances (Howlett) Herring’s Notice is in the Norfolk Chronicle June 24, 1843

The Act was considered a step forward in bankruptcy law in that it allowed the petitioner to be released from jail after two weeks, provided the Creditors consented.  In fact, it wasn’t until 1869 that the punishment of jail time was abolished completely in bankruptcy cases.

From the Norfolk Chronicle August 5, 1834

From the Norfolk Chronicle August 5, 1834

In early August, Frances position was laid plain and she appears to have been granted bankruptcy protection and anyone owing money to Frances was instructed to submit it to a named trustee.  Her case was examined amidst a slew of others by mid-August.

One of the things I find fascinating about this series of articles is that Frances appeared to be quite adept at navigating the legal system.  The first declaration was sworn before a Norwich based lawyer (some 45 miles from King’s Lynn) and to have the examinations of her case would have taken place in London.  It is not clear what settlement she reached with her creditors, but they most certainly would have agreed to the payment plan.  Did she serve jail time or was she spared this punishment because she was a widow supporting a large family?  In the end, she was able to retain the property in Terrington St Clement to earn a living as a Market Gardener to support her family until at least 1851.  The property was then transferred to her eldest son John Jonathan.  Frances Elizabeth Herring would later grow up here and it was the setting for the start of FE’s novel, Ena.

Frances Elizabeth Writer of Fact or Fiction?

The earliest photo we have of Frances Elizabeth Herring is this group photo taken in 1873 with the description written on the reverse.

Frances Elizabeth Herring, teacher in Reading, England 1873

Frances Elizabeth Herring, teacher in Reading, England 1873

Back of Photo

Back of Photo

Unfortunately, this is where our official sources fail us and we are unable learn how Frances Elizabeth went from Terrington St Clement to Reading.  We are enormously fortunate though, as we do have access to unofficial sources, which force us to reconsider whether or not Frances Elizabeth was writing fiction or fact.

This is particularly true of the book Ena, which seems to me to be the most autobiographical of F.E. books that I have read to date.  The book is named for the protagonist Ena, a name that is formed from some of the letters of “Frances”.  The book starts with the untimely death of the Ena’s father ‘John Hetherington’ no coincidence if you remember F.E.’s father’s name was John Jonathan Herring.

With opening words, we are thrown immediately into a tragic family drama,

‘Wake and come quick! Miss Ena! Miss Ena!’ called a sturdy maid-of-all-work, as she vigorously shook a little girl of nine, adding in an awe-stricken whisper, ‘you’re father’s a dyin’, wake up and come quick!’

It was a chilly morning early in May, and the child shivered as her clothes were hastily put on, and she was hurried by the maid into ‘Daddy’s’ room.  He was propped up with pillows, and the grandmother, with her healthy rosy face bathed in tears, stood near him, soothing as best she could his last moments, and trying vainly to understand the dying injunctions, he strove, too late, to give.

Her mother stood at the foot of the great lumbering, handsomely carved, ‘four post’ bedstead, almost hidden by its heavy hangings of dark grey merino.  She was crying weakly, quietly; hardly realising that it was the end of John, and his kindly, unselfish care of her and the little ones.  But as her mother closed the eyes of the man, and the poor wife felt that all was over, she broker out hysterically, calling him to come back and not leave her to bear the burden alone.  ‘How can I manage things, how can I: how can I?’ she moaned.

There was a loud wailing from a cot near, and Grandma took up a dark wiry mite of a baby girl, some two months old, and tried to make daughter take an interest in it, but to no purpose.

So, how does this line up?  Well, John Jonathan died May 18th, 1855 in Terrington St Clement.  F.E. herself was about eight years old when he father passed and her youngest sister Jane Howell Herring, born March 28, 1855 was just a little less than two months old.

We learn a bit more about John in the last lines of the first chapter,

Mr Hetherington had been in business in Granston, but his health gave way, and he was not equal to the strain it imposed upon him; so he had lately come into a few acres of land, the old homestead, and a little money, he resolved to leave the town life, and try what the country air, and out-door occupations could do for him.  His wife had never liked the idea, the very name of ‘the country’ suggesting loneliness; besides, she left behind her all the friends and acquaintances of her life.

Mr Hetherington had put some sheep and lambs into the house orchard, and it was in looking after them he took a severe cold, which resulted in inflammation, and his rather sudden death.

So it sounds likely that John Jonathan came into possession of the land originally left to his mother Frances (Howlett) Herring, by her father John Howlett as described in our previous blog post The Herring Family: Back to the Beginning.

We see Frances living there in 1851 with her daughter Frances, Frances’s husband Jewson Earish and their son Rodger in the census records.  The Earish Family would emigrate to the US shortly after and it is likely that Frances could not maintain the property herself, and passed it on to her eldest son, John Jonathan.

The book describes Ena’s difficult family relations.  Her brother, also called John (as in real life) was their mother’s favourite.  It was only for her grandmother’s interventions that Ena was educated and took her teacher training at Reading, as did F.E.  By the sounds of it both the Mother and eldest son were quite spoiled, to the point where John was drinking and gambling in the novel.

But there are key points from which the novel deviates from real life.  In Ena, the mother remarries and makes Ena’s home life even more difficult.  In reality, however, Harriet (Clarke) Herring never remarried.  Perhaps the novel was the origin of the family rumour that F.E. immigrated to British Columbia because of a falling out with her stepfather.  Similarly, there is also a pathos laden scene in which her younger sister Hattie dies, which did not actually happen.  The novel also ships the drunken gambler John off to Australia, but in real life it was the younger Paul Howell Herring he would live out his final days down under.

However, some of the scenes are so strange, that you get the real sense that they were based on real life events.  For instance, there is a passage that describes some home renovations the father had undertaken and how he gone into town to pay the contractor ‘Reed’, but returned home without the receipt.  He intended to return to collect it, but fell ill instead.  After his death, Reed made a claim for £90 against the estate.  As described in Ena,

Mrs Hetherington explained about her husband taking the money to him (Reed), and losing the receipt.  All to no purpose, he blandly insisted upon the production of the receipt, which he knew was impossible, for he had himself picked it up from his office floor after Mr Hetherington’s departure, and as soon as he heard of his death, had put it in the fire.

Without the receipt, Reed could sue the family for payment of the debt  and mother was forced to pay the funds a second time.  This strange turn events, seems too detailed to be completely fictional, could it in fact have happened?

Ena is well worth the read, and an unbelievable legacy left to our family historians curious about more than names and dates and wanting to know instead about the stories that have shaped the family.  We’d love to hear more from you.  Have you read any of F.E.’s books.  Are there parts you believe are more fact than fiction?  Let us know!

The Origins of Frances (Howlett) Herring

It is very difficult now days to imagine doing research without the benefit of the internet.  The number of records that have been transcribed and digitized means that our ability to sweep for information is truly unprecedented.  Going through Phil Herring’s letters to the General Records Office (and reading their replies!) reminded me how much detail you required to just ask a question.  You needed exact names and dates, or the name of the military unit, not to mention a precise knowledge of the inner workings of the bureaucracy to know to whom your inquiry should be directed.

But the internet can also lead us astray.  There is a family tree posting of the Herrings during our period on a genealogy website.  It givens some information on the children of Jonathan Herring and Frances Howlett and you can see it here.

It shows the correct date for the couple’s marriage but indicates that Frances was born in Pulham Saint Mary Magdalene in 1797 to her parents Robert Howlett and Martha Bullen.

Looking at the Census Records we have at our disposal for Frances (Howlett) Herring in 1841, this makes some sense.  The 1841 Census gives her age as 45 years old, placing her birthdate in later 1796 or early 1797.  So the Frances Howlett who was born in Pulham St Mary Magdalene could be ours.

The Herring Family according to the 1841 Census

The Herring Family according to the 1841 Census

My mind changed was when I got digging into the Norfolk Archives and located a set of documents which detailed the property transactions for 2 Saturday Market, which was listed in the Directories at the address of the Herring’s Confectionery and Fruit Market.  It documented a transfer to John Howlett in 1803, and again in 1828 to Frances Herring, as per John Howlett’s will.

Another amazing find in the Norfolk Archives was the probated copy of John Howlett’s will, which I previously described in our Back to the Beginning Blog.  This document clearly established the family connection as John Howlett named his son-in-law Jonathan Herring as an Executor and provided for his wife, also called Frances.

With this additional information I went back into the records looking for children of John and Frances Howlett, and happily found yet another Frances baptized in 1795 at St Margaret’s in King’s Lynn, but born to the couple back on November 23, 1792.  Here’s a copy of that record.

Frances Howlett's Baptismal Record from 1795

Frances Howlett’s Baptismal Record from 1795

Interestingly these dates line up remarkably well with the 1861 Census, which presents Frances as 69 years of age.  At that time she was living back in King’s Lynn in the household of Elyah Eyne working as Nurse, probably for his four year old granddaughter Catherine Black.  She would die in April of 1865.

1861 Census Results for Frances Herring

1861 Census Results for Frances Herring

I’m sure that the end of Frances Herring’s life must have been difficult if she was still working as she neared seventy.  How amazing it would be to have a photo of her like we do of her sons, Henry C. and Benjamin William who immigrated to United States.