Hi Caz,
Been thinking. As you say, cannot find marriages for any of Charlotte seniors daughters and its Ann and Matilda that seem to have disappeared. Leaving Charlotte jnr and Elizabeth remaining together, at least to 1901, with Clara having lived with them since 1871. Although at this stage, everything is supposition, but all 'input' helps doesn't it. How about, unless Clara was the daughter of the missing Matilda (who I doubt) or of Ann (which again I doubt) the, she could be Elizabeth's (due to Charlotte junior, the head of house informing this to the enumerators through each census) she would be Charlotte's niece. Either Charlotte and Elizabeth were very benevolent or, the real mother was incapable of bringing up a child (imbecile or backward or something) every little helps. Money was short in those days, and I would have thought that even if Ann or Matilda had married, the child would have been bought up in a household, at least, as stepson/daughter, if you see what I mean.
Anyway, am now so intrigued myself, can't wait to hear results of your certificates, please don't forget to let me know.
Regards
Tiffy