Joseph Fry (tea merchant)

Joseph Fry (21 April 1777 – 28 August 1861) was a tea dealer and an unsuccessful banker. He was the husband of the prison reformer Elizabeth Fry.
Parental family.
Joseph Fry's father was William Storrs Fry (1736–1808) who moved from Wiltshire to London and established a company dealing in tea and banking services, later called W. S. Fry & Sons. William married Elizabeth Lambert in 1767, who was, like him, a "plain" Quaker. 
Joseph was born in London 21 April 1777, the youngest of the three sons, and three daughters of William and Elizabeth Fry. One of his brothers died aged 27. He and his older brother, William Fry (1768–1858), joined the family business. However, their mother is credited with "the financial acumen which had enabled money both to be acquired and prudently managed: it was a quality which perhaps neither of the sons inherited".
William Storrs Fry's brother Joseph Fry (1728–1787) founded the chocolate factory that was later to become J. S. Fry & Sons and a type-founding works in Bristol, for which the Fry family is famous.
Marriage.
On 19 August 1800 at the Norwich Quaker Meeting House, Goats Lane, Norwich, Joseph married Elizabeth Gurney (1780–1845), daughter of John Gurney (1749—1809) and Catherine Gurney (born Bell, 1755—1792). The bride's family were proverbially wealthy bankers, originally based in Norwich.
Children.
He had five sons and six daughters (one of whom died in infancy):
Business difficulties.
During the 1812 financial panic in the City of London, William Fry precipitated a crisis, by lending a large amount of the bank's money to his wife's family, undermining its solvency. It was Joseph's wife, with her Gurney financial grasp and her connections, who pulled things through; her brother John Gurney (1781–1814), brother-in-law Samuel Hoare III (1783–1847) and cousin Hudson Gurney (1775- 1864) came to inspect the firm's accounts and left her in no doubt that they would do "what is needful for us" which, meant a large investment in the W.S. Fry & Sons bank.
During the 1825 City financial crisis, Elizabeth Fry's relations saved the firm from bankruptcy. When the same problems recurred in 1828, no further Gurney support was offered and on 21 November, W.S. Fry closed.
The Gurneys acted as receivers and saved the tea merchant business, placing it under their control with Joseph Fry on a salary of £600 per year.
Bankruptcy was not tolerated by the Religious Society of Friends. Joseph Fry was disowned by Ratcliff & Barking Monthly Meeting in May 1829: however, he was re-instated, with much admonition, in 1838.
Changes of residence.
When they were first married, they lived "over the shop" in St. Mildred Court, Poultry, City of London. After his father's death in 1808, they moved to the grander Plashet House, East Ham. In 1829, they needed to reduce their expenditure and moved to a smaller house in "The Cedars", Upton Lane. After the death of Joseph's sister, Elizabeth Fry (1779–1844), they moved to her home, Plashet Cottage, East Ham. He lived there until his death on 28 August 1861.