Hi Melfordgal
I have just cracked the mystery, Francis (Frank) snell was bap. 21 Jan 1844 Long Melford to Sarah Snell. In 1851, aged 7 he was a visitor in the household of Elijah Otley and his hosekeeper, Susan Andrews, aged 54 (b.Lavenham). He was aged 17 and with the same people in 1861 Census, but described as grandson.
Looking at Ray Long's Cosford Database, there was a Susan Snell bap.23 Oct 1797 Lavenham who had a daughter, Sarah Snell, bap.2 July 1821 at Lavenham (which fits the age in 1851 and 1861 Censuses) Susan went on to marry James Andrews at Lavenham, 21 June 1824. Susan's parents were Thomas Snell and Margaret Church who were married in 1792 at Lavenham, and so far I haven't connected Thomas to my family of Snells.
So the Sarah bap.1816 is not your ancestor.
I found that Albert Clover's mother was a Harriet Raynham, who appears in my records, but we can't prove that Albert was Ruth's father, so Harriet may not be your actual ancestor.
Regards, Steve