Hi Eric
Further to my response which I posted under "Gellings of Lonan", there is an Ann Scarff married Robert Freeman 12 Nov 1854 at St Nicholas, Liverpool. I'm not 100% sure this is the Ann we are looking for but it seems a strong possibility. And yes Margaret Kewley "passed peacefully away" July 21st 1926 in her 91st year.
Keep hunting.
Thanks
Viv