At last a bit of new info about JBL, we have found out where his name comes from, but not why or who this bloke is !
I've been give a transcribed will (yay no need to struggle to read it ! ) of a John Ballard of Worcs, from a 'one name' family historian (thank you so much !)
heres a snippet,
upon trust to put out at interest upon government or real security in their own names or in the names of the survivors or survivor of them the sum of one thousand two hundred pounds and from time to time to receive and pay the interest thereof unto Elizabeth the wife of Benjamin Lloyd late of Liverpool merchant and her assigns during her natural life and her receipt alone notwithstanding her coverture to be a sufficient discharge for the same and not be subject or liable to the debts control or engagements of her present or any future husband and after her decease upon trust to pay the said sum of one thousand and two hundred pounds unto her son John Ballard Lloyd when he shall attain at the age of twenty one years and meanwhile to apply the interest in his maintenance and education and in case he shall die under twenty one years I desire the same sum of one thousand two hundred pounds may sink into and form part of the residue of my estate for the benefit of my residuary legatees and upon further trust to place out at interest upon government or real security the sum of eight hundred pounds in the names of my said trustees or the survivors or survivor of them and apply the interest from time to time in the support maintenance and education of the before named John Ballard Lloyd until he attain the age of twenty one and upon attaining that age in trust to pay unto him the said sum of eight hundred pounds but in case he shall depart this life under that age the same to sink into and form part of my residuary estate..
it goes on to give JBL a further £200 towards an education or apprenticeship and rents/ use of a property etc etc to Elizabeth lloyd.
so who was John Ballard ??