{...} medical woman, Mrs Frances Bell, served in the Boer War of 1899-1902. She rescued some badly wounded men who were under fire, trapped in an ambushed convoy. As a reward for her bravery, she was presented to Queen Victoria at Buckingham Palace and awarded a Victoria Cross, but the award was never gazetted, for women were not eligible to receive it.
If it weren't gazetted 'cos women were not eligible to receive it, why did no-one tell Her Majesty? As such, I am highly skeptical: as are these people.
That said, could there be a germ of truth? Was there a Mrs. Frances Bell who did something extraordinary? And, if there were, was she called Frances or is that her (possibly mis-spelt) husband's name?

