Just to update on the substance of the thread. Firstly thanks for your time mostly giving constructive help.
The "borrowed neutral" turned out to be the result of the electrician (probably in the 90s) installing no less than three t+e cables in the consumer unit for the sole purpose of enabling the 2 way lighting in the garage:
1/ Going to the common of the first 1gang 2way switch
2/ Going to the common of the second 1gang 2way switch
3/ Going to the first lamp
The switches were connected in a standard manner with t+e connecting their L1 and L2 terminals. They had then joined the live of cables 2 and 3 within the consumer unit in connector blocks to complete (for the lives at least) a standard 2 way circuit (albeit inside the consumer unit!).
So I think what was going on was the neutrals weren't probably taken care of. I believe my task will be to ensure the neutrals and lives are properly connected in the old, "main" consumer unit so that I only need to run a single length of t+e to "my" consumer unit. That would have the advantage that only a single wire for N and E entering the RCBO so sidesteps the question of "what is a circuit" etc.
I'm sure most of you would have sorted this in 5 minutes. Took me hours but I enjoyed doing it and still not sorted yet but at least I think I understand what is going on.