Thank you Dave and Trish. Sorry to be slow in responding.
Yes, I have Phoebe born in May 1796 in Lullington and Frances born in 1771 in Edingale. Thank you for the information about the 4 brothers and two of them dying just before Martin declared bankruptcy. Was "Ashby-de-la-Zouch Bank" the name of the bank? Perhaps, as you say, that played a role. I've always kind of imagined that Martin overreached himself, but I don't really know. I didn't realise until I read his will that Phoebe (my 4th g grandmother) was his adopted daughter, and with it went my chance of having at least one somewhat illustrious ancestor, since he was high sheriff of Derbyshire in 1789. I guess I'll never know who Phoebe's father was.
By any chance, do either of you know if a certain genealogical website has published the parish records for Coton-in-the-Elms?
All the best,
Alan