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 21 Dec 18921,2,3, was baptised there at St Mary Of Charity Church, Church Road on 22 Jan 1893. She went to Gordon Road School, Strood, Kent, England.
She married Allan Ferguson (a shunter (petroleum refinery) with whom she had 1 surviving child, Henry G) in Strood c. Aug 19164.
During her life, she was living at Cecil Avenue, Strood on 31 Mar 1901, less than a mile from her brother Albert Culmer who was living at 22 Station Road, Frindsbury, Kent, England and her brother Charles Culmer who was living at 19 Cecil Avenue, Strood, Kent, England; at The Cottage, London Road, Leigh On Sea, Essex, England on 2 Apr 1911; and at 15 Billet Road, Thurrock, Essex on 29 Sep 1939 with her mother Mary Ann.
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