redmr2red,
Using a photograph to work out which medals an ancestor had is useful, exactly how I worked out entitlement for one of my grandfathers. With the help of some very kind and knowledgable people on this forum.
I would recommend writing to the medal office, one of my ancestors is missing a clasp from a general service medal which he never claimed. He was the kind of man who wasn't bothered by medals, if they were sent to him, he'd wear them. Otherwise, he wasn't fussed!
The medal office enquiry is free, i've been waiting six months for a reply but from what I hear, i'm the exception rather than the rule. Besides, I can't complain, i'm sure there are thousands of enquiries there every week.