Thanks for the suggestions, I think it is Thos Hutchinson - Crayford as ther is a Thomas Hutchinson, Carpet Manufacturer at Barns Cray, Crayford in the census.
Following the suggestions and looking at the 1871 census I found an Alfred Horsnaill, town councillor & coal merchant in Strood, so I think that is probably our man. Also found John H Spiller in Canonbury Park, North, Islington, a retired wine merchant, so I think that's another match.

Still no luck on Frederick, but I can't find a Fred Jaott (or variant) in the census