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There is also a JHW Ratcliffe who is not this man.
1875 Mar 20, Born Westmoreland (RIC has 1883)
1881 census at Low Moor Cottage, Orton, Westmorland with grandparents

1891 census A boarder at Orton, Westmoreland

1898 Jan/MarMarried Annie Catherine Cooper. at • Kendal, Westmorland, England
1901 census at Monks Coppenhall, Cheshire, England

1911 census at Monks Coppenhall, Cheshire, England

1914 Nov 6 Lands in France
1918 Apr 27 Co Sgt Major Joseph Ratcliffe commissioned 2nd Lt in E Lancs Regt
1921 Jun 7. Joined ADRIC with service no 2028 and posted to I Coy. Accepted in Ireland
1922 Jan Appears to serve till demobilisation
1939 Register at 21 Ashbourne Road, Eccles, Eccles M.B., Lancashire, England. With wife Annie C Ratcliffe. Gives his dob as 19 Apr 1875 but it is our man. A Railway Engine Driver.
1958 Died Eccles