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You are quite correct in your assumption. The girls were both daughters of Benjamin Capell (B. Little Brington 1788. D. Northampton 1869) who was an auctioneer and upholsterer in Northampton. He was the 17th child (of 21) of George and Elizabeth Capell of Little Brington (shoemaker).

The Capells have a very long - and at times an illustrious history in Northants! However, Benjamin was of pauper stock and he did very well for himself, being much better off than most of his siblings. He had 7 daughters but only 3 of them lived long enough to marry. One of them married a local upholsterer and cabinet maker.

Frances was the eldest (1816-1866) and Harriet the youngest to survive (1828-1869). Harriet did indeed marry her sister's stepson, Charles Lancaster). His father Henry Lancaster was 14 years older than Frances Capell and Harriet was older than Charles, and so the dates fit. I too imagine that they met through the auctioneering business. Benjamin travelled to auctions.

The sadness is that neither of the Capell girls had any children and when their father died in 1869  6 of his daughters were already dead and he knew that his last remaining child, Harriet, was dying. She did not survive him for long. So he had changed his will in favour of his friends instead of his daughter and her husband!

I am a Capell descendent and have written the story of Benjamin's life as far as I have been able to research it. I am descended from one of his sisters.