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Ruth Clayton was a human identity assumed by the Fugitive Doctor, who hid on Earth using a Chameleon Arch.
The Doctor had her TARDIS buried near the lighthouse where she stored her true identity, and trusted Lee Clayton to protect her, under cover as Ruth’s husband. Lee was also tasked with reminding her to “Follow the light and break the glass” when the time was right, as this would lead Ruth to return to the lighthouse, which she was made to recall from childhood, and finally restore her Time Lord memories.
According to her constructed memories, Ruth moved away from home to Gloucester in mid-December 1999, seeking a life of her own. Her parents died after this point, and Ruth inherited the lighthouse from them, though she did not wish to live there. (Fugitive of the Judoon)
By 2020, (Can You Hear Me?) Ruth was a regular customer at a coffee shop where she had become friendly with the barista, Allan. Allan tried to convince Ruth that Lee was not good enough for her, even keeping a dossier which recorded his suspicions regarding him. She also made a friend in elderly resident Marcia. (Fugitive of the Judoon)