Hello lin-james
I think you possibly have the wrong approximate year of birth for Frances MOSS.

She seems much more likely to have been born (London) between 1838 - 1841. (I'll check that further for you).
Her marriage to John CHARLES in January 1857 only shows that both bride and groom were of full age. Her father's names is given a Jacob
MOSS - occupation jeweller.
There is a baptism of a Frances
MOSES* at St John, Bethnal Green, Middlesex, on
12 May 1844 - parents Sarah and Jacob
MOSES (a jeweller) residing at 6 King Street (Commercial Road ?) who is possibly the Frances MOSS who later married John CHARLES

[ Note : the baptism record doesn't state if child is an infant or older. ]
Further, there is a New Zealand marriage of a Frances CHARLES ... and the New Zealand death of a woman (1899) which closely matches a "Frances" born c. 1838.
I'll post further details shortly for this.
~ Lu
... further info to follow > >