Thanks for all the suggestions - here's what I can verify:
Opening the bleed valves on the loft rads gives a pressurised solid flow of water. This is that case at each end of the large rad. The towel rail has one bleed valve only.
The flow tap on each rad is getting warm, just warm. On the towel rail, the return valve is also slightly warm. On the long window rad, the flow valve gets warm and one end of the rad is cold, though the rad is so long that the little heat there is probably dissipated before reaching the return valve - it seems.
I have been round all of the ground and first floor rads and completely closed the flow valve and then just cracked them open, i.e. open enough to maintain a hot temperature.
This made a small difference.
Then......
Checking the boiler, the thermostat dial was about just past half way round, So I've put it to 3/4 way round.
I now find that the rads in the loft are getting hot.
So - amoung other things, it seems that with the thermostat set to just past half way, the ground and firstl floor rads are red hot, but loft are cold.
With the thermostat higher, the loft rads start to kick in.
Maybe the bset thing here is to run heating with the thermostat higher, though I'll then have to regulate down the first and ground floor.
Make sense ? Maybe this will make the heating less efficient or maybe reducing flow to the ground and first floor rads will avoid the inefficiency ?
Thanks
Chris