My great-great grandfather suffered the same fate in 1851. He was also John with a son John.
By coincidence, his cousin lived in Hayle, Cornwall, where the Polly sank.
There are two more-detailed accounts in the Royal Cornwall Gazette, 26 November 1852, and The Cornish Telegraph, 30 November 1852.
WRECK AT HAYLE, AND LOSS OF LIFE.--On Wednesday morning half-past six o’clock, whilst blowing a complete gale 'from the south-west, the Polly, of Boston, John Payne, master, of about 150 tons burden, laden with rock salt and lead ore, and bound from Liverpool to Harglen (Haarlem in the other report), Holland, struck on the Hayle sands, and in a few hours became a total wreck.
etc.
Non of the bodies have been found. On the flowing of the tide the vessel went to pieces, and the wreck has been sold by J. N. Tremearne, Esq., agent for Lloyd's. - At S. Ives a great many vessels have been inside the pier for shelter, but no damage has been sustained by any of them.
David