Tag: 21st century

Posted on

Bankrupt Ancestors in Your Family Tree!

We all know that in today’s new economy people are getting themselves into debt. Worse still, for some, is the prospect of going bankrupt. It may seem that bankruptcy is a modern phenomena, well it isn’t. Getting into debt was also a common problem for our ancestors as well. As we all love a skeleton in the cupboard, just how can we find out if one of our family has had the problem to face back  in the Britain of the past? It would seem that we may be able to find out more online.

In my research into my family tree I remember chancing on some family notes that, on face value, seemed to identify one of my ancestors as having been a partner in a business enterprise that had failed. To start with I had had no inkling that my forebear, in question, had even been a merchant, so to learn that his enterprise had eventually hit the rocks was an interesting nugget of information in itself. As a bookseller, myself, and having read the Charles Dickins novel called Little Dorrit, which you will no doubt know is set in within a debtor’s prison, I wanted to find out if my own ancestor had faced being declared bankrupt.

In England, Bankruptcy goes all the way back to a statute of Henry VIII in 1542. The 1571 Bankruptcy Act brought about the idea that a bankrupt person would be able to settle their debts, by distributing what remaining assets they had, through independent commissioners. Up until 1705  the unfortunate debtor could never be discharged from bankruptcy and so the stigma would remain with them for ever!

Legally, Bankruptcy is a process in which a court official assumes charge of a qualifying debtor’s property so that a distribution can be made to the creditors of the debtor in a proportion to the sum that they are owed.

Only in the year 1869 was it that individuals who were not undertaking a business  of some sorts were able to become bankrupt. Before this date, ordinary people were known as being insolvent instead. These souls faced being sent to debtor’s prison and were not released until they had found a way to pay off their creditors. Bankruptcy, as such, applied strictly to people who were traders, that is those who bought and sold goods, or who worked some materials into things that they then sold.

District bankruptcy courts were first established outside of London from 1842. Then their jurisdiction passed on in 1869 to the County Courts. In the capital city the London Court of Bankruptcy was set up in 1869, before being absorbed into the High Court of Justice in 1883. Should you wish to find details of what’s available for you to search then I recommend taking a look at Access to Archives at http://www.nationalarchives.gov.uk/a2a/

Independent assessors, known as Commissioners, would determine if a debtor was eligible for bankruptcy or not. If they were satisfied that bankruptcy could take place, then they would publish a notice in the London Gazette declaring the debtor bankrupt. Also posted would be a list of potential creditors along with the dates set for meetings. The London Gazette’s archives are easily searched today on-line at www.london-gazette.co.uk. This is a fantastic resource  for any family historian hot on the trail of a bankruptcy. You are able to search the archives by date and name, then view a pdf image of the pages that your results have found. The London Gazette has been published since 1665 with a regular publication of bankruptcies stretching back to 1684 and also 1712 for insolvent debtors. Scottish notices can be found in the Edinburgh Gazette at : www.edinburgh-gazzette.co.uk

Family historians can locate case files for English bankruptcies at The National Archives in Kew, while Scottish sequestrations are to be found at The National Archives of Scotland. Unfortunately, for us, the majority of case files for England have not survived, but those that have are indexed on TNA’s online catalogue.

Other resources to consider are journals that published similar notices to the gazettes. These will include The Times; The Gentleman’s Magazine; Perry’s Bankrupt & Insolvent Gazette (1828-1861) and Perry’s Bankrupt Weekly Gazette (1862-1881). If you are looking for notices of bankruptcies in the County Court, then you will probably need to turn to local newspapers for the area in question. The British Library would be the place to look for these. Now we are also able to search contents of newspapers at http://newspapers.bl.uk/blcs.

Insolvent ancestors can be an interesting topic of research. Remember, however, that their hardship carried much more stigma than it does today. In modern times we can go into debt, declare ourselves bankrupt, or wipe out a huge chunk of our debt with the alternative Individual Voluntary Arrangement IVA. And yet none of us lives in the fear of being incarcerated in the debtor’s prison in the 21st century.

Send to Kindle
Posted on

The On-line Family History Researcher

Researching into our ancestry on the Internet is becoming one of the most popular pastimes in the 21st century with more people every day beginning family history research on-line. It wasn’t that very long ago that a person who wanted to trace their family tree, would need to make various visits to many libraries, record offices and the family history centres for the areas their forebears came from. Nowadays, except for the serious genealogist for whom this will still be an important part of family research, the amazing increase in genealogical websites with databases that we can search easily, has made it simple to carry out most of the slog researching our forbears from our computers. ranging from the average family historian, aiming to locate some difficult to find ancestor, to the professional genealogist carrying out a commission for a client, the data sets such as those provided at www ancestry.com or ancestry. co.uk and a whole lot of other websites have made things  easier and better for us. The sheer amount of data and other information that is already made available is being supplemented even as I write this with all sorts of new releases of old records and indexes. There are sites offering us access to the census collections, parish registers  and other church records, transcripts of tomb stones and other monumental plaques, BMD sites providing data on births, marriages and deaths, various family history societies, websites selling old maps, genealogical resources such as parish registers, old town or trade directories and so on.

In the United Kingdom the1841 census records data will be the earliest that will be encountered on-line. Today sets of census data are available to search on the web right up to the census of 1911. Census information can be found on a number of commercial sites, the majority of which necessitate an individual to pay-as-you-go, or simply to obtain a subscription of some kind. You will commonly have the ability to lookup transcripts and after that pay to view actual images, of enumerator’s books, for the different censuses undertaken every decade between 1841 and the 1901 census. Recently, the 1911 census for England and Wales went on line sooner than the normal one hundred years before release. This is under a Freedom of Information judgement, but the delicate data as to the mental state of  individuals have been blacked out. The different feature of this collection is that, for the very first time that, we can view an image from the household’s return, not merely the enumerator’s book and thus can see our ancestor’s handwriting.

The provision of the various kinds of family history information, on the Internet, has encouraged an ever-growing number of individuals to make a foray into the arena of genealogy on-line resources. Most want to discover who their own forefathers had been and the things they did. A good number of folks have been prompted to start looking for themselves after the popularity of the BBC’s tv series called: Who do you think your are?

They might be motivated because of the many books about the topic, the different magazines on the newsagent’s racks as well as the genealogy and family history events, such as the annual show in Olympia and a host of others organised up and down the land all year round. But although some research will be effortless, a good few of our forebears are frustratingly tough to find and so frequently a beginner doesn’t know exactly where to turn.

You may still find some people, out there, whom merely do not know how to even take the first steps to undertaking their family research on a computer. You can also find others who, having made a beginning, do not know how to get past the inescapable brick wall that they have stumbled upon.

Brick walls can be aggravating, however when you discover a way to smash through the logjam it usually is immensely satisfying. I’ve discovered exactly how to do this, for a few of my forefathers, by taking e-courses in this fascinating area of interest. Just what I have observed is that the family historian must be made aware of the various tips and tricks to utilizing the internet resources to greatest effect. While the simple information can be acquired by using the straight forward search field on a website, to locate evasive ancestors may require a certain application. The good news is that somebody has most likely come up against the very same sort of problem as you are having and so a means of working around the difficulty may already have been devised. For example, I had been taught exactly how to make use of the freeBMD website to locate missing brothers and sisters of one of my grandmothers.

Many researchers may have used the LDS or Latter-day Saint’s familysearch.org site. Finding your ancestors, when using the search tools furnished by the website, can be challenging; even if they are included in the International Genealogical Index, and that is not always the case! The problem is that a search simply by last name only isn’t allowed, unless you search within a single batch of records at a time or over the entire country. A search of the whole of Britain is overwhelming, unless of course you have a rare name. What if, however, you are looking for a Smith or a Jones? I have discovered how to use a tool provided on a website to search the IGI batches and it is really easy to try and do, once you know how.

The world wide web has made researching ancestors a great deal easier to do. As more and more data finds its way onto the internet many more lines of research are opened to us. But, on the other hand, there is the danger of information overload. The new family historian could become frozen in the headlights as the data juggernaut races on towards them. My advice is to carefully record your research at each and every phase, so you are aware the blind alleys which you have gone down and the various people that you have researched erroneously, as well as the ones you have had success with. In the long run you will save yourself time and very possibly money on certificates purchased, or pay-as-you-go searches on the Internet. Next word of advice, is that it’s well worth continuing to learn as much as you are able to about this fascinating subject by taking classes or reading around the subject matter. The best family historian is one that thinks of themselves being an advanced beginner. That is, they are constantly wide open to learning more skills. The more skilled you become, the better you’ll be able to uncover those elusive ancestors!

Send to Kindle