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Frederick was born in Wolverhampton on 22 December 1894, the son of James and Emmeline Chambers. In 1901 he was with his parents at 31 Heath Street, Heath Town, Wolverhampton, along with sisters Bertha and Gertrude, and brother Herbert. By 1911 he was with his widowed mother at 43 Vernon Street, Springfields, Wolverhampton, together with additional siblings Elsie, Horace and Charles. Frederick was an apprentice pattern maker.

Frederick joined the Royal Navy (number J16083) on 22 December 1912. He served first on the HMS Ganges II and a number of other ships, before serving on the HMS Indefatigable as an Able Seaman from 17 June 1913 onwards. This ship was sunk on 31 May 1916 during the Battle of Jutland, and Frederick was killed in action. He is commemorated on the Plymouth Naval Memorial, as well as on the Springfields World War One Roll of Honour.