Checking the "H Ratchford Death in the Military Records on Find My Past, his First Name is given as "Harry".
RATCHFORD HARRY — — 1915 British nationals armed forces deaths 1796-2005 Great Britain
At present, the only likely candidate appears to be this entry in the 1881 UK Census on FMP-
First name(s) Last name Relationship Marital condition Gender Age Birth year Occupation Birth place
John Ratchford Head Married Male 35 1846 Herring Curer (Fish) Wolverhampton, Staffordshire Image Transcription
Catherine Ratchford Wife Married Female 29 1852 Spoon Polisher Birmingham, Warwickshire Image Transcription
Mary Ratchford Daughter Single Female 9 1872 Scholar Birmingham, Warwickshire Image Transcription
James Ratchford Son Single Male 7 1874 Scholar Birmingham, Warwickshire Image Transcription
John Ratchford Son Single Male 5 1876 Scholar Birmingham, Warwickshire Image Transcription
Henry Ratchford Son Single Male 3 1878 - Birmingham, Warwickshire Image Transcription
William Ratchford Son Single Male 0 1881 - Birmingham, Warwickshire Image Transcription
Catherine Kennedy Boarder Lodger Single Female 23 1858 Spoon Polisher London, London, Middlesex Image Transcription
Again, this MAY or may NOT be "the Harry" in the 1911 Census-
Harry Ratchford Head Married Male 32 1879 Billposting Birmingham CB Image Transcription
Rose Ratchford Wife Married Female 26 1885 Nail Trade Feeder Birmingham CB Image Transcription
Catherine Gallagher Mother In Law Widow Female 58 1853 Domestic Duties Birmingham CB Image Transcription
This may be Rose's Death-
RATCHFORD ROSE A T 1886 1944 1944 England & Wales deaths 1837-2007 Basford, Nottinghamshire, England
This may be Rose's Birth-
GALLACHER ROSE ANNA 1885 — 1885 England & Wales births 1837-2006 Middlesbrough, Yorkshire, England
This looks more hopeful as the Marriage of that Harry and Rose (Collins)-
RATCHFORD HARRY — — 1906 England & Wales marriages 1837-2008 Birmingham, Warwickshire,
One definite child of that Marriage-
RATCHFORD JOSEPH H 1913 — 1913 England & Wales births 1837-2006 Birmingham, Warwickshire, England
Unfortunately, the Mother's Maiden (or previous) Surname was not recorded in the SEARCH INDEXES until July 1911 onwards.
But the lack of subsequent Births suggests that this MAY be the right family.
Unfortunately, the recently "updated and improved Search facilities" on FMP now make it difficult to impossible to find out who was living in a specific street, where-as the earlier version did so and very easily!
there is a fair chance that Harry's Next of Kin may be either of his apparent brothers, James and John, rather than his father.
I have noted this both from my genealogical interests; and away back in the 1950s, when serving with the RAF.
Just found this-
It may be worth following up on this-
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