Joseph Raynor – insolvency 17 June 1899

Joseph Raynor was declared bankrupt 17 June 1899.  I viewed Joseph’s insolvency file at QLD Archive, hoping to find clues to his earlier life, particularly in Sicily.  Unfortunately the Archives file didn’t reveal any new information, except that he was actually declared ‘informa pauperis’ which I assumes means he has no chance of repaying whatever debts he had.

I’m a bit perplexed on why the court would state he could not repay his debts, given he was probably by then already employed as a Seaman on SS Bobby Towns.

Nevertheless, this is the first record of Joseph’s life, therefore it was interesting to see, especially as Joseph signed one of the letters in the file.

Below are the photos  I took of the file ( every page on the file is included below):

Bankruptcy file

Bankruptcy file cover

Affadavit 5 June 1899

Insolvency letter

Cover of insolvency notice

Gazettal notice of insolvency

Letter 23 June 1899

I’ve updated the post on Joseph Raynor’s will & other stuff

Just letting everyone know that over the weekend I updated the post relating to Joseph Raynor’s Will.  

I’m also reviewing the earlier posts – I wrote some of them in a rush and left out details that I could have included – including the few photos I have (Note I only have copies of copies – no originals, so unfortunately these are not the best quality).

I’m also working on the rest of the website – I’m going to try and put some links to the various geneology sites I’ve been looking at (once I work out how to insert links).

 

Isabella Smyth (nee Shields)

Well I’ve received some new information on Isabella Smyth (nee Shields), mother of Mary Jane Raynor.

John and Isabella Smyth and their four daughters Martha, Margaret, Anna Bella and Eliza Jane departed Glasgow on 10 August 1882 on the ship “Stirlingshire” arriving in Townsville on 7 November 1882 (IMM/117) The Log entry states that John’s age is 32, Isabella 33, Martha 6, Margaret 3, Annabella 1, Eliza inf.  Their destination in Townsville was listed as ‘Mr Robinson, Milkman’. Possibly John had an assisted passage and was indentured to work for Mr Robinson.

John died on 16 December 1883 at the Townsville Hospital of dysentery.  This was just over a year after arriving in Townsville (arrived November 1882). Isabella was then five months pregnant. She would have been unable to work at this time, and there was no Government welfare assistance as there is today. So she must have had a very difficult time, and I had previously said in an earlier post that I wondered how Isabella fared.

Jane Mary Smyth was born on 10 April 1884.  Isabella was left to raise 5 girls on her own.  The new information I received was that Isabella admitted Margaret and Annabella to the Townsville Orphanage on 6 Aug 1884 and they were discharged to her on 16 April 1886.  On 16 October 1886 she admitted Annabella and Eliza.  Annabella was discharged on 11 May 1893 and Eliza on 7 August 1894. So Isabella probably did not fare too well in the earlier days in Australia.

Townsville Orphanage extract

Isabella had a tough life. John and Isabella probably came to Australia to escape poverty in Ireland. On arrival, John died, and Isabella would have spent many years working hard in low paid employment to make ends meet. When she couldn’t make ends meet, she had to put her daughters in the Townsville Orphanage. Her hard life must have taken its toll because she eventually died 12 April 1909 aged 63 years. In the last 7-8 years of her life she suffered an illness which eventually took her life.

Thanks for the information on Isabella, it does explain a lot.  While her life was difficult,it is credit to her that she managed to raise her daughters, and all went on to live good lives.  I know that Mary Jane and Joseph Raynor must have been a very unlikely match, but all the Raynors I’ve ever met turned out well, so Isabella must have done something right.

Back online

I’ve not done any posts for the last 12 months, as I temporarily stopped research on the family history.  I’m now finally able to get back into it.

At the time I stopped posting, I was researching three  issues:

(1)  Joseph Raynor – looking for clues on what Joseph might have been living and doing prior to getting his job on the SS Bobby Towns.  So I’ve been looking at the history of the SS Bobby Towns, the Seaman Union.

(2)  Joseph Raynor’s brother – there is a photo of Joseph Raynor and his brother – who was the brother?  Where was the photo taken?  It appears to be a professional photo, taken in a studio?  If so, it might be stored in Archives somewhere, and perhaps show the name of the brother?  So I’ve been looking on the internet on any information relating to Townsville photograph studios that operated in the early 1900s.

(3) Christopher Wilson – father of Abraham Wilson – when and where exactly did he die in Ireland?  It is known he died in a shipyard accident somewhere around Belfast.  If I can find the date of death, I might be able to get a copy of his death certificate.  Then we might have some information on Christopher’s birth, parents and further family ancestors.

I don’t have any answers on the above yet.

Joseph Raynor’s Will

Last year I was able to view Joseph Raynor’s Will, held at Queensland Archives.  All Wills can be accessed 75 years after the person’s death.  I was very excited to discover that his will was being held there, and especially that we could  actually get to see it!  What secrets will it reveal, did he leave any clues on his sicilian family?  One of the QLD Archive staff alerted us to the existence of wills held in QLD Archives, so the personal visit proved useful.   I had not anticipated that Joseph would have had a will – given he lived a very poor existence.   I had originally planned to just see Joseph’s bankruptcy file which I had found out was held in QLD archives via their online index databases.

Firstly the big moment – the QLD Archive staff retrieved the file and left it on a shelf for our collection and viewing.  Everything in QLD Archives is treated with extreme care, so as not to damage old documents.  We followed the instructions and carefully picked up Joseph’s estate file and took it to a desk for viewing.  I remember being very careful as I untied the ribbons holding the estate file together, I did not want to accidentally damage or lose any document in there.

The will file had a surprising amount of documents attached, so I decided I would take  photos of the entire file for later reading – given time was short and I may not have enough time to read everything in the file.

This was the cover document to the will.  I think it was a covering document to a number of other wills – but we only had Joseph’s file for viewing:

Will cover

So what was in the will file?

In rough date/interest order:

Mary Jane’s report of Joseph Raynor’s death on 14 February 1937:

Estate docs - report of death

I noted in the above Mary knew Joseph’s birthday – 2 November, but was unsure about the year of birth (marked with a question mark above).  Given Joseph’s age was listed as 71 years, this would mean his date of birth is actually 2 November 1865, not 1866 as is commonly stated in our family records (I will update my posts to reflect his).

Joseph’s will dated 24 July 1923.  Interestingly the will held is not personally signed by Joseph, or the witnesses.  I had a thorough look for a signed will but this was the only copy of the will provided.

DSC02304

 

On 25 February 1937, 11 days after Joseph had passed away, Mary Jane visited the public curator and provided a copy of the will.  While Joseph died broke, he still had an estate to bequeath.  She could not afford a lawyer to handle the estate so she visited the public curator who discussed with her what needed to be done, and gave her a receipt for the will:

Estate docs - receipt of will

There was some discussion about the costs of the public curator – he would not proceed with the estate until Mary paid a deposit for the curator’s costs:

Folio 1

At the time Joseph died, he was as poor as the proverbial church mouse.  Mary made a declaration to this effect:

Estate docs - Mrs Raynor declaration

He had no bank account (always paid wages in cash and never made any savings), no jewellery (not even a watch!) and owned nothing other than the mortgage on his house (the property was in his name).

He also had some debts, mostly associated with overdue payments for the house – insurance, rates, and the mortgage payment:

Folio 10

Estate docs - fire insurance

Estate docs - mortgage payment

Folio 14

Below is a letter explaining insurance of the house – and the amounts outstanding:

Folio 6

Joseph had not kept up payments on Council rates up to date, and the letter below states Mary agrees to pay more in future to keep rates up to date.   At the time of Joseph’s death he owed approximately 52 pounds – which was a lot of money in those days – so he was very behind in rates payments.

Folio 26

On the plus side, Joseph’s estate had a couple of small payments received:

Folio 23

The above  is a life insurance payout of approximately 20 pounds.

The Waterside Workers Union, who probably made Joseph take out the life insurance policy (if not his employers) also arranged Joseph’s Will and paid for his funeral.  Joseph’s estate was paid 27 pounds, of which 24 pounds was spent on the funeral:

Folio 23

Estate docs - funeral costs

Mary received the difference of funeral expenses versus Workers Waterside Federation payout for funeral (27 pounds for funeral, minus 24 pounds plus for funeral meant Mary received approx 2.5 pounds).

However Joseph also had a couple of creditors:

Estate docs - Dr A Breinl claim on the estate

The above was a claim by Dr A Breinl for medical treatment provided.  I am unsure if the medical was before Joseph’s death or perhaps a visit to the Raynor home to confirm Joseph had passed away.

The other creditor was funeral expenses – which was paid by the Waterside Workers Union (possibly the Curator paid the expenses, but the funds were provided by the Union).

It appears Joseph might have  been sent an Aged pension cheque after his death.  The public curator wrote to the Aged pension office to ask if they intended to submit a claim on the estate for recovery of monies owing:

Folio 3

The Aged pension replied 10 March 1937 advising they would not lodge a claim:

Folio 13

As Mary was the sole beneficiary of the estate, the home at 11 McIlwraith St would be transferred into her name.  This required a valuation which was arranged by the curator:

Estate docs - home valuation

The valuation fees (above)

Estate docs - house & land valuation

So what was the property worth in 1937?

The land valuation was the same as the Townsville City Council valuation – 160 pounds.

The house itself was described as being built 24 years earlier (1913?), and was a 6 room dwelling with single wood walls.  The house was considered in good condition but badly in need of a paint, inside and outside.  There were also some minor repairs needed in the bathroom.  And the picket fence was described as being in fair condition, but old.  The overall valuation of the house was 460 pounds.

Together with the land, the total value of the property was 580 pounds.

And a ‘roughly constructed Fowl House’ was given a nominal valuation of 1 (one) pound.

(Dad was sitting with me viewing the document said, ‘yep I remember the chook shed’.  He was less than a year old at the time of Joseph’s death)

The Public curator kept records of all the estate expenses:

Estate documents file

Including the funeral and advertising costs:

Estate docs - funeral costs

Estate docs - advertising costs

Succession duty was not charged to the estate:

Estate docs - succession duty not payable

The Estate checklist for what needed to be completed in order to transfer the Joseph’s estate to Mary Jane:

Estate docs - checklist

Finally in September 1937 the transfer of the property was completed

Folio 32

(note:  the public curator addressed Mrs Raynor as ‘Sir’ instead of ‘Madam’, a typist mistake probably)

Then the public curator found some ‘change’ left over in the funds he’d made Mary Jane pay in order to finalise the estate, which he duly handed back:

Folio 33

 

And the distribution of the estate, in accordance with Joseph’s Will:

Estate docs - distribution of estate

And Mary Jane signed a form which completed transfer of the Estate (the family home) into her name:

Estate docs - distribution statement

Having seen the will and estate file, there was no information or clues relating to Joseph’s sicilian family or past.  Also, there is no mention of Joseph’s brother – if he was living in Australia then, surely he would have contacted Mary Jane?  Still a mystery….