Frances Swallow nee Bailey appears on the 1939 register with her mother, Frances M Bailey b abt 1884 (in Chertsey UD).
I think these are some relevant records:
Births Sep 1912
Bailey Frances Clark Southwark 1d 39
Marriages Mar 1910
Bailey Frank Willson Fulham 1a 494
CLARK Frances Mary Fulham 1a 494
1911 census for the parents
here
Frank died in WW1. Here's his
probate record
and his CWGC
entry which shows his home address as 23, Chapel Grove, Addlestone, Surrey. I seem to remember you having other stuff for Addlestone, so thought I'd post this in case it became relevant.