If Richard and Ada were cousins and not even first cousins...
...then how could they both have been direct descendants of the deceased John Jarndyce and possible beneficiaries of his Will ?
Given that primogeniture ( inheritance by the first born male ) was still in force in England in Dicken's time then as I understand it only Richard could have been a legitimate heir if he was a direct descendant. Ada as a female would have been ruled out.