Thomas Joseph Fay was born in Liverpool, Lancashire, England on 28 September 1881 and was baptised in St Vincent de Paul Church on 9 October that same year.
He was the son of Andrew Fay (1854-1914), a general labourer and later warehouse porter, and Mary McDonough (1854-1934). His father was Liverpudlian and his mother was Irish by birth; the couple had married in Our Lady of Reconciliation Church on 8 September 1878.
Thomas had five known siblings: William Andrew (b. 1879), Margaret Ann (b. 1883), Andrew (b. 1887), James (b. 1888) and Mary (b. 1892).
In the months prior to his birth Thomas' family were recorded on the 1881 census living at House 5, Court 3, Cookson Street, Liverpool. Thomas first appears on the 1891 census, then living with his family at 10 New Henderson Street, Toxteth Park. Perhaps already at sea by the time of the 1901 census, Thomas was absent.
Thomas was married in Southampton in the second half of 1909 to Frances Amelia West (b. 1884 in Southampton). The couple welcomed their first child Andrew George, by the close of the year on 27 October, and a second child, Daniel William, was born on 15 January 1912.
The family appear on the 1911 census living at 31 Stanford Street, St Mary, Southampton, save for Thomas who is likely at sea.
When he signed-on to the Titanic, on 6 April 1912, Thomas gave his address as 31 Stanford Street, (Southampton). His last ship had been the Orotava. As a greaser he received monthly wages of £6, 10s.
Fay died in the sinking. His body, if recovered, was never identified. He is remembered on the family gravestone in Liverpool Roman Catholic Cemetery, Litherland.
His wife and children later benefitted from the Titanic Relief Fund.
Thomas' widow Frances was remarried in 1916 to Thomas Rock and had another child, Thomas Joseph (1916-1970) before the close of the year. What became of Frances' second husband is not clear but he may have been killed in action in Belgium. Frances was remarried in 1920 to Harry Pinder and had a further five children, all daughters: Eileen, Frances, twins Kitty and Nellie, and Stella. Frances remained in Southampton for the rest of her life and died in 1965 aged 81.
His son Andrew was married in Southampton in 1935 to Ruby May Blundell (1910-1994) and had one son and one daughter. He died in Southampton in 1988.
His son Daniel was married in Southampton in 1933 to Winifred Adelaide Thomas (1912-1984) and raised a family in Southampton before settling in Salisbury, Wiltshire where he died in 1980.