Thank you all for your helpful comments.
Purple R, I think you are right about over mixing, I also have very warm hands, and perhaps have done too much "rubbing in" of the fat. Recipes say the result should look like breadcrumbs, I will try stopping at "larger chunks" and see what happens. You also mention using plain flour - I think I might have used half and half plain (white) flour and Self-Raising wholemeal flour (because I do not usually have wholemeal plain flour in the cupboard). I will try it with all plain flour. I had wondered why my pancakes turned out on the fluffy side as well, and that would explain it. Time to buy a small packet of wholemeal plain flour, I think.
We have a very good local baker, who sells me excellently yummy old-fashioned type wholemeal bread. I have tried various more exotic breads like walnut. They are available from the delicatessen, but only on two days a week, and they quickly sell out. We also have another baker, who does the mostest yummy pies and cakes. We are very lucky in this small market town that we have a good selection of shops, which I try my hardest to support (including the book shop) but that's another story.
Yoyo, I am not going to try making scones in the breadmaker, I agree that they need to be made by hand. However, it does claim to make marmelade and jam. If I go to the end of my garden in August I will find lots of plums, so might try the jam. Who would like to come to tea at my house?