Well, I'm stumped. Pics below but basically I seem to have only a single speed fan. The two relays behind a cover on the rear side of the radiator both work. I removed them, cleaned the contacts, tested with a 12V trigger supply and verified continuity across the load terminals.
I had an 'A-ha!' moment when I saw that the two relays do indeed have different size cables going to them - thinking they were low/high speed supplies to the fan.
However, the smaller wires instead go to a connector on the front of the fan cowling, which on the rear has a coil. I have no idea what this is for. A heater? The size of the wires suggests at least some current draw.
There is a permanent 12V feed at both relays (Waiting to be switched on by them) and I manually linked out both relays with spade terminals and a bit of wire. The fan came on fine when I did that one, and I assume whatever the hell that coil does, it was doing it when I linked that one across.
I also checked the stat was the right way round, and found it is impossible to install it back to front anyway.
So for now I have cut some holes in the thermostat surround to increase flow, and will probably just run it is as it is until/when/if it goes bang.
Thanks very much for your contributions guys.
Random coil
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The two relays I checked
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The top down view of the smaller cables coming from the relay to the fan surround coil
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