Doesnt answer your post but as it is related to his service, I hope it is of some help. Information from MN records that I have transcribed for you.
Joseph Ellard Dis. A 1056218, born 14.11.1904. It was not the ship BELLINGHAM but FORT BELLINGHAM that he lost his life more on that below:
Joseph appears to have joined the Merchant Navy In 1921 and appears to have served as follows. Please note that the following list is not a complete list of his service.
143915 MAGELLAN 8.6.1921
135702 NAVASOTA 27.5.1922
137536 GLENFINLAS 7.9.1922
127933 THESEUS 6.3.1923
132045 SALVESTRIA 17.12.1924
145934 ANDANIA 17.1.1925
137532 MARCONI 25.8.1925
140585 PRINCESA 14.12.1925
148770 WAWALOAM 3.6.1926
110258 KUMARA 19.9.1926
15 November 1926 enrolled in the Royal Naval Reserve (RNR) 5-year term.
Re-enrols into RNR for second 5-year term. 14 November 1936 RNR service ends.
142665 BERNINI 20.5.1927
132817 - EL URUGUAYO 3.6.1929
140583 BARONESA 29.1.1930
141930 FRESNO STAR 2.2.1936
135267 - SAN TIRSO 9.4.1937
149791 - AVILA STAR 22.1.1938
151629 - GERALDINE MARY 3.8.1938
149821 - AVELONA STAR 13.10.1938
149791 - AVILA STAR 22.7.1939
140446 - PORT DARWIN 20.8.1940
148714 SHIRVAN 25.2.1941
169627 - FORT BELLINGHAM Lost at sea 26.1.1944.
FORT BELLINGHAM sailed with the Arctic convoy JW56A and was torpedoed and damaged by U-360 and sunk by U957 on 26.1.1944.
R McAllan, a survivor of the Fort Bellingham had been in an open life raft with two others, when they were spotted by a German U-Boat about 12 hours after the sinking. The U-Boat stopped and picked them up but one man (Joseph Ellard, Bosun) fell into the sea as they were transferring from the life raft into the U-Boat and was lost. McAllan reported that the sub crew tried to save him but couldn't get him out in time due to the high seas. The two prisoners of war, R McAllan and E Haycock were both DEMS. McAllan also said that the U-Boat crew had treated them very well and did all they possibly could to save Ellard.
https://fortships.tripod.com/Fort%20Bellingham.htm#Director%20of%20DEMSRegards
Hugh