Thank you everybody for your replies. My family surnames include Ruscoe and Rathbone, so I am pleased that you think the last letter is an R. The fob comes from that side of the family, I am inclined towards the Ruscoes as I don't think the Rathbones would have had the money for such things!
However I willl now have to investigate a bit further as I can't think who would have had HC as their first names. There is a Henry, but as far as I am aware he didn't have a middle name.
Thanks again.