Hi Keyboard
Thank you for the reference to the Frances Banks in 1841 in Lewisham. (Lewisham Village does get a mention in this family later). So, I will look further into your record.
I know that you can not guess in this game; however, I will look for a Mrs. Elizabeth Willey who died post Oct 1822 to 1824 at Wellclose Square, as address was also given at the time of the baptism of Richard Horatio Willey. Thus, if she has died, and Charlotte was brought into the home to rare the baby (Richard Horatio Willey), Richard Willey, the Younger, now takes a fancy to the 22 year wet nurse/servant/housekeeper, and she falls pregnant in 1824/1825 with Charles Willey, followed by another 3 chn.
No doubt that he will be a Willey boy as he is only 3 years younger than Horatio. As I eluded to before, Horatio has grown up with these half siblings, so he would have included Frances Willey in the Will if she had been a "real" a half sister. She was left out of the Will and entitlements, thus, she has to be a relative of the Banks family.
With the help of many contributors, we have well researched the Banks Family of East Ham/Bermondsey/East End, but as you can see, you can not take things for granted, that is Charlotte Banks and her relationship with Richard Willey, the Younger.
Another resource also gives the Clerkship papers for Richard Willey, the Younger and Richard Horatio Willey which are also invaluable in this research.
I meant to say that the Sophia Banks (nee Peak) from Deal, Kent/Thanet Is is Charlotte's mother and the Sophia Banks was her older sister. And the Frederic(k) Willey with Sarah Banks in 1851 and 1861 (Snow Hill) will be another sister and Charles' younger brother. My wife is a Banks anddescends from an older brother Henry Banks, a currier.
Regards,
Keith