Re: Electoral register look-up please
The attestation paper found by Alex is not likely to be the same Harry Ratchford as the one he listed on the 1881 census.
The attestation states his age as 17 yrs 4 months, so as he signed up in 1906 his year of birth is nearer to 1889.
It also gives his address as 2 house 2 court Bagot Street. He employer being a newsagent of Lancaster Street.
I found this Ratchford family living in Lancaster Street in 1891 but no Harry
1891 RG12 Piece number 2393 Folio number 33 Page 21
Lancaster Street Birmingham Warwickshire
Patrick Finn Head 56 1835 Bricklayers Labourer Ireland
Cathorine Finn 52 1839 Ireland
Mary Finn Daughter 37 1854 Spoon Tinner Birmingham
Annie Finn Daughter 23 1868 Press Worker Birmingham
Ellen Ratchford Daughter Married 30 1861 Spoon Polisher Birmingham
John Ratchford Grandson 8 1883 Birmingham
James Ratchford Grandson 3 1888 Birmingham
Thomas Ratchford Grandson 1 1890 Birmingham
Can't find a Finn/Ratchford marriage either