Frances Frederica Louisa Schreiber was born in April 1843, she was the 13th of 15 children born to the Reverend Thomas Schreiber, 48yrs, and Sarah Maria, 38yrs, nee Bingham, in Bradwell-Juxta-Mare, (Bradwell near the Sea), Essex. Her mother was the daughter of Admiral Bingham of Lymington, Hampshire.
Thomas was the Rector of St. Thomas's Church in Bradwell, a man of wealth, living in a large and handsome Rectory House, and acted as his own patron in this position. This meant that his parish was ministered by another vicar and Thomas was described as a clergyman without care of souls.
In September 1852, Thomas, Sarah and 8 of their children, including Frances, aged 9yrs, set sail from Liverpool for Canada, where they lived in York, Ontario, for four years. In 1856 Frances's mother, Sarah, died in Canada aged 52yrs. The family returned to England and in 1861 were living at Christ Church Manse, Ipswich, Suffolk.
Frances lived with her father until his death in 1873, leaving estate in excess of £2m. She was very close to her sister, Rose Edith, just 2yrs younger than herself, and both being single, with private incomes, they decided to live together.
Rose and Frances moved frequently, in 1891 they were in Kensington, London, in 1901 they were in Cambridge, in 1911 they were in Hove, Sussex, and they finally settled in Worthing, Sussex, living at South Hill, 32, St. Michael's Road.
Frances died on 26th January 1926, aged 83yrs, at the Teralta Nursing Home, Church Walk, Worthing, probate was granted to Rose Edith, effects £40,986 18s 3d. Value 2022 - £2.7m.