These last bits of information are amazing and would seem to fit the bill perfectly - I just knew Rootschatters would help me to solve this mystery. There's a lot to take in and think about, but I'm pretty sure you have cracked it - thank you so much, everyone.
Oldham archives replied very promptly that my information was too vague for them to find anything, except that the Yorkshire Penny Bank was not on Rochdale Road, but at 5, Oldham Road!
The Kershaw name appears on both sides of the family, Alice Wild being the daughter of Charles Wild and Hannah Kershaw, hence the John Kershaw Hambler.
Will think more later, but am so grateful.
Gillg
