Judy
Not sure if you've got this. From freecen, this looks like Charters in 1841:
Margaret Holliday age 71, a Pauper, born in Dumfries-shire
Charters Jackson, age 7, born Dumfries-shire
Living in Crossdykes, Hutton and Corrie, Dum.
I assume this is Charters maternal grandmother (and explains the name of Charters's second daughter).
Monica