The child of Charles Culmer (a coal dealer) and Mary Lawrence, Nellie Culmer, the second cousin twice-removed on the mother's side of Nigel Horne, was born in Faversham, Kent, England on Dec 21, 1892, baptised there at St Mary of Charity Church, Church Road on Jan 22, 1893 and went to Gordon Road School. She married Allan Ferguson (a shunter petroleum refinery with whom she had 1 child, Henry G) at St Nicholas in Strood on Aug 7, 19164.
During her life, she was living at 19 Cecil Avenue in Strood on Mar 31, 19011 - less than a mile from her brother Albert Thomas who was living at 22 Station Road, Frindsbury, Kent; at The Cottage, London Road, Leigh On Sea, Essex, England on Apr 2, 19115; and at 15 Billet Road, Thurrock, Essex on Sep 29, 19392 (when she was living with her mother, Mary Ann) - less than a mile from her mother Mary Lawrence who was living at 15 Billet Road, Thurrock, Essex.
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