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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.

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Very Helpful Details On How To Access Death Records

Many people often wonder about their family genealogies or about what may have happened to certain people who they were once close to. However, they rarely do anything to find out that information. In some cases, public death records may hold the answers that people are looking for and this article can tell you all about them.

Gaining access to someone’s death certificate may provide you with the information that is required for making a family tree. Additionally, these records can provide you with information that can help you understand what happened to someone who you were close to.

Today, these records can hold a wealth of information about the person who has passed on. You can find out what their recorded cause of death was, who they were married to, and when they were married. You can also find out if they had any children, who the next of kin is, and what they did for a living.

It is possible to get these records by contacting the appropriate state department. However, getting an answer can take a long time and they may only have access to their records, rather than the records for the whole country. It may be better to use an online service instead.

Prior to using a Web service, you should research it to find out how accurate their results are. Unfortunately, all services have not been created equally, so it is important to not spend any money until you’re sure that you’ll be getting the information you require.

To find out which online USA death records service is best for you, you should look for online reviews and specifically search for complaints or class actions that were filed against the company. If you find that a Web service has tons of complaints, you should avoid it.

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Family History Information Scanned So That We Can Research Our Family Trees

Have you ever wondered how a website like findmypast.co.uk goes about scanning the information for us family historians to use before they put up online?

I mean what do they have to do to actually extract all that information from the government documents so that eventually we can go online and type in our search criteria and then get to see the results?

I watched this film and was fascinated by the facts…

  • There are 18 million pages of the 1911 census of England & Wales.
  • 36 million people made up the population then, just before the First World War.
  • 10 times the number of images than the 1901 census.
  • A team of 350 people worked on the transcriptions.
  • 7 billion keystrokes were made by the transcribers!
  • 2 Kilometres of shelving housed the 1911 census before the process of scanning started.

    • Watch it here.


    Disclosure: Compensated Affiliate of findmypast.co.uk

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Great to See the ScotlandsPeople Website Updated

Scottish BirthsAs someone that has used their website to good effect with my Scottish ancestors, I am really pleased to see that ScotlandsPeople service is now up, revamped and running. I have had no problem in recommending it to those who have Scots roots because of the value of its content. Now it includes some new search features that are designed to make it easier and quicker for people to use and discover their Scottish family roots.

For example, the site now has a way of plotting search results on maps. This should enable all those who are unfamiliar with Scottish geography – such as the many users of Scottish descent living overseas – to better understand about Scotland and their ancestors and how the terrain may have affected them.

Other changes made are to the advanced search functions, that should provide quicker results and the additional information from Catholic Parish Registers.

http://www.scotlandspeople.gov.uk/

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Why Can’t I Find My Ancestor?

If, like me, you have searched for hours and hours trying to find an ancestor’s birth, marriage or death with no luck and you begun to wonder if it is something that you have been doing wrong; then just consider the following list. It was one that I was introduced to when I did a genealogy course with the on-line specialist Pharos Tutors and I commend you to take its suggestions to heart.

  • Is It The Wrong District – are you looking in the one that you assume your ancestor should have been registered in? Think about looking in neighbouring districts as your forebears may be found there instead. You may not know, as I didn’t, that the early registrars for districts were paid by results and that it was they who were responsible for gathering the information! Later on the responsibility was transferred to the public to register their births, marriages and deaths for their relatives.
  • Looking in the Wrong Year. You may have been given the ‘received wisdom’ that your great-great grandfather was born in a particular year. Did you know that professional probate researchers, these are people that give evidence in court cases, will look for a person up to 100 years of age when searching for a death.  Also they will normally look for a woman’s marriage right they way up to the age of 100! When looking for a birth they will search for up to 25years after the marriage for the birth of a child. We need to also keep in mind that some people may marry several years after a child was born.
  • Wrong Name – Could you be looking for the middle name instead of the first? Many people are known by a second name rather than their first so a John Alan Smith may have been called Alan Smith all his life. His name may have been spelt Allan, or Alun so keep a watch out for spelling variations. Be aware that people may have been mis- indexed or their names spelt differently. Also they may have reverted to a previous name after the collapse of a marriage.
  • Family Stories – that send you off on a wild goose chase like looking for the handsome Irishman in one branch of my family when all the ancestors seem to be from Devon, with the exception of a small bit of Cornish that crept into my bloodline.
  • Inconsistent Searching. Not recording what you have already done. Now I know that many of us may hold our hands up to this!
  • Simply your ancestor was not registered. This may occur especially in the early years after the introduction of civil registration in 1875 but should be more rare after 1875. In between 1837 and 1875 some districts were under registered.

    I hope this helps some of you, it certainly has for me as I have some elusive forebears whom I am still trying to locate using Ancestry and the excellent FreeBMD on the Internet. I had lost my way until I did the course and realised that I should think around the problem more than homing in on what and where I thought these ancestors should be.

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Nonconformist buried in my family tree.

As you may know, if you have been following me for any length of time, that Devon is one of the areas of the U.K. that I research my ancestors in. Some of my Devonian forebears turned away from the established Church of England and became dissenters. There seems to be a rather limited number of nonconformist chapel burial records actually surviving within the county of Devon and so this can be a bit of a brick wall for us. Many family historians may well have found that in their own family trees, ancestors left the Church of England to practice their faith in other Christian churches.

By the law of the land, people of each and every denomination could be laid to rest inside their parish churchyard. Although this was the case, however, the relatives of people who were nonconformists were not allowed to have a Church of England burial service at the graveside. This would be fine if all the deceased’s family were no longer C of E, but I would guess it could be upsetting for family members who had not joined their relation in nonconformity and so would have wanted a service conducted by the local vicar!

I was intrigued to find out that people who held offices within the “establishment” were affected by another piece of legislation. I am talking here about Councillors as well as some other municipal officials. These worthy people were not allowed to put on their robes of office to attend the funeral of a non conformist councillor and this would have included the wearing of a mayoral chain etc. Should they rashly have broken this rule then they were liable to a fine of £100 and in addition they would likely end up being barred from civic office throughout the rest of their lives!

Many nonconformists, however, did not wish to be interred within land held by the Church of England. Quakers, most especially, established their own unique burial grounds. In these, the family historian will discover, plots defined by somewhat plain, uncomplicated stones that usually feature only the initials belonging to the departed.

A number of chapels established their own burial grounds, this included the Independents, Methodists as well as the Baptists. Furthermore, if you go researching your nonconformist ancestors in several country places in England, you will find that burial grounds were opened for all those involved with the various nonconformist denominations and would not specifically be confined to only one or other of the particular religious faith traditions. Around 1880 a welcome change, in the laws of England & Wales, granted the possibility for the family of a person, being laid to rest within a Church of England parish graveyard, to opt for a minister from their own religious beliefs to be able to preside over the burial service. This began the downfall in making use of separate nonconformist burial grounds as they were often less popular because of the fact that, in some cases, they were several miles from the particular village or district from where the deceased’s family resided. In 1853 and following on from the considerable overcrowding of church graveyards and burial grounds, due in some measure to the number of cholera fatalities and so forth, Parliament handed down a further law closing a large number of these areas to fresh internments. The result of the law saw many towns as well as bigger parishes setting up cemeteries, to look after the continued burial of the deceased.

To find earlier burial grounds nowadays isn’t always that simple a task. In an ideal world you would be able to find someone who possesses the required local knowledge of their location and is also willing to assist you in your research. I’ve had the happy experience of this while I was researching my family in Cheltenham, England. The local history society, as well as an amateur historian from one of the bigger churches, were luckily able to help lead me in the right direction to find my ancestor, for which I was very grateful. The basic scarcity of registers, nevertheless, will most likely make it tough if you want to research for names.

A further point, that you may need to take into consideration when researching your forebears, is that if the deceased was very poor and given a “paupers” grave, then the name of the unfortunate will not have been marked down in the burial records except for a numbered peg entered to locate the grave.

Lastly, I’d like to pass on this story that I have found reported in various places about a Church of England husband and a nonconformist wife wishing to be buried together. It is mentioned, for example, on the Bristol Times website thisisbristol.co.uk that in Arnos Vale Cemetery there is an elaborate monument raised for merchant Thomas Gadd Matthews (C of E) and his wife Mary (Congregationalist), which famously straddles both Anglican and nonconformist sections. The story seems to be that Matthews purchased a large grave plot strategically placed so that the two, while wishing to be true to their respective faiths, could be buried in a family plot that sits on the boundary line between the C of E and nonconformist parts of the cemetery. A rather lovely tale!

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Use more than one ancestor look up site!

I really need to remember my own advice to use more than one ancestor look up site!Ancestors in Thorne Family tree
On the occasions when I find myself talking to someone new to this family history pastime, about doing ancestor research, I often find myself going back to the advice that I have been given by a professional genealogists. Now I do not consider myself to be anything like a Genealogical Guru, I am simply someone who has gained a little experience over the years and now am happy to pass on two of my tips here. Both are about stepping back from the research results and introducing some careful thought into the proceedings.
  • Think logically about a person’s time-line.
  • Listen to family stories, but then step back and try to corroborate them with hard evidence to confirm what you have been told.

A person’s date of birth is obviously going to dictate an approximate time for when they could have got married and when you should reasonably expect them to have died. A little thought will tell you that rarely will a person be getting married in their hundredth year! Likewise, they are not going to be getting wed aged 6 or 7 either. Beware of entries in databases that just happen to have the same name as your ancestor, but are just plain and simply the wrong people. But even then we can go wrong if  we are not careful.

One weekend, when doing some family tree research,  I got myself stuck in a hole and wasted oh so much time digging it deeper and deeper! What was it I was doing wrong and how did I finally get out of it? Well I was trying to find the details of an ancestor’s death so that I could purchase a death certificate from the GRO site.

I am fairly wedded to www.ancestry.co.uk for most of my research. I like what they have on offer and I have become use to the way the site works. I also have a subscription to other sites such as www.thegenealogist.co.uk which I find good for many searches and then there is another favourite of mine:  www.findmypast.com.  (Disclosure re these links: Compensated Affiliate.)

The research I was doing had been initiated by reading some “thoughts” put down on paper by a relative before he died. I had been shown this family history because, as a cousin, I had an ancestor in common with them and I wanted to enter this forbear into my family tree as well. The handwritten notes indicated that our ancestor had died aged 66 and from this I was able to work out that as they were born in 1865. From this I then worked out that they probably died in 1930.

I went on to ancestry.co.uk and searched by name for the ancestor in all four quarters of 1930 but to no avail. I then broadened my research for ten years either side and spent hours looking for them without any luck. I then thought I’d try misspellings of the ancestor’s name as this, I thought, is surely why they are missing. Result: A big fat nothing!

Eventually, after much wasted time, I thought about using one of the other websites that offers Birth marriage and death details, something I should have done early on. And what did I find? There he was, on the other BMD site spelt correctly and dying in the district where I expected him too, but aged 70 not 66 and in the year 1935 not 1930!
The lessons for me to relearn and hopefully for you to benefit from are as follows:
  1. Remember that all websites are fallible and omissions happen.
  2. Family stories can sometimes be wrong as humans are not blessed with 100 percent recall and we can get things wrong, as it would seem this relative did in his writings for his children!

I have made myself a note to remember my own advice in future: Use more than one ancestor look up site and remember that stories can be wrong!

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Search Lost Relatives! How To Easily And Effortlessly Look For Someone You Lost Contact With

Lately my wife’s sister got curious about what
had happened to her first husband after they broken up. That marriage had
finished badly and they hadn’t been in touch for almost
thirty years. She tried hunting for her ex-husband’s name on Google and
Yahoo but didn’t get any hits. Knowing I do research online in my work as a
qualified writer, she asked if I might discover
anything.

I write for business and technical magazines, so I
use numerous high-priced databases for in-
depth research. However I suggested she
try an easier alternative- a way out I use myself when I want to
search for somebody quickly and without difficulty. I
recommended she try one of the people search database services. Even the
better ones cost so little, they’re practically free. Most offer a trial
period. I gave her the name of one to try.

She was dubious. She’s not very comfortable using her computer for much
more than email. Her stab at the search engines had already left her
upset. Now she was going to have to “sign up for something and
learn something completely new… oh my goodness,” was the way
she put it.

Yet, later the same day I suggested it, she emailed back excitedly.
In a few minutes, she’d discovered all kinds of information
regarding her ex. It turned out that he’d done something of a turnaround after they’d
broken up. Their divorce resulted from
clashes over his severe drinking problem. After they got separated,
though, he’d ultimately gone back to med school, gotten his MD and become an
orthopaedic surgeon. He’d even been instrumental in
developing some kind of device used by other
physicians in his field.

Regrettably, the poor fellow had passed, but at least my sister-
in-law discovered reassure in knowing that things had
worked out for him in spite of everything. She remarked that even if their relationship ended in the most awful imaginable way,
it had began from a good point. She said she hadn’t actually wanted to contact
him. She just wanted to know what had happened to him.
At times all we want is only to satisfy our  inquisitiveness about what happened to someone we’ve lost
track of. Many of us have an old pal or associate we still think about.
A Better Way to Find People

I suspect that’s what makes people searching so hot. As many as half a million
times a month, somebody searches on Google alone, hunting for
a way to find a lost person. Whether it’s someone from the past with
whom we’ve lost touch, or somebody we met last weekend and
desire to see again, were always hunting for others.

Unluckily, many general searches fail. Just like Googling
failed for my sister-in-law. The information is out there, somewhere. But being
forced to sift through so many unrelated results makes it nearly
impossible.

By the way – majority of searchers don’t know this –
search engine results don’t really extend beyond about a thousand entries. Even
when the search engine results page says they found millions and millions of hits, they don’t
really bother to expose it and give you access to all of it. They’re
actually only estimating from their own database tables. Even they
understand it’s a waste of time.

When You Choose a Personal Search Service, Here’s What to Seek

If you choose to try out a personal search database, here are the things I’ve
found essential to mull over during a review

Free versus Paid

I’ve been dissatisfied by the free services. Their main concern
seems to be to try and get you to click on some of the pay-per-click ads
they’re presenting.

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Skeletons in the Cupboard.

Have you found any skeletons in the cupboard?

If perhaps, like myself, you’ve been doing your family tree research for any length of time then no doubt you’ll have discovered that a number of your own forefathers weren’t quite as you envisioned. The problem occurs in the event that the skeleton, which our forbears have managed to shut away inside the proverbial cupboard, comes tumbling out due to your time and efforts to research your family history. In my own case an ancestor proved to have had a previous wife and children that not one of my relatives knew about. It might appear that this individual conveniently did not seem to remember about his former family when he married into our line! The result of uncovering these facts were that some of my kin were very annoyed with me. They believed that my submitting to them my findings somehow besmirched the fine name of the subsequent wife and our ancestor, whose religious upbringing and moral teaching rejected the concept of any divorce.

It might appear from fresh academic research, carried out at the University of Warwick, that I am one of many. It was while reading on the Reuters internet site that I found the following: “A recent study revealed that people researching their family history often open a Pandora’s Box of secrets that can unsettle and offend relatives, sometimes permanently damaging relations.”

Sociology Professor Anne-Marie Kramer revealed to the British Sociological Association’s yearly conference in Glasgow that in her study, conducted amongst 224 individuals who gave her details of their family history research, around thirty of these mentioned conflict.

In the report, published on Reuters’ website, Kramer noted that the considerable factors behind conflict had been when unwelcome information was uncovered, requesting information from relatives who would prefer not to give it, relatives supplying inaccurate information, expending more time on researching family history rather than with loved ones, and coming into contact with hostile relations.

The Professor explained how men and women in Great Britain, Canada, Australia and the United States were being able to view numerous examples of historical data today caused by the amazing growth in the family history and heritage community both on-line and off.

“But in investigating their family history, researchers could open up a Pandora’s Box of secrets and skeletons, such as finding there are family issues around paternity, illegitimacy or marriage close to birth of children, criminality, health and mental health and previously unknown humble origins,” Kramer said in a statement on Warwick University’s website.

Perhaps we should all bear in mind the need to exercise just a little awareness and diplomacy whenever we set out to interact with our extended family about our genealogical studies. Family historians, endeavouring to research their particular family tree, ought to bear in mind this word of caution that not each and every one will welcome you finding out the truth. Health Warning: Family history research can damage your relationships with your relatives, if you are not careful!

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