1891 – 1909 George Whigham and Phoebe (neé MacLeod) Whigham
and offices of Whigham and Cowan, later Whigham and MacLeod
Solicitor (Society of the Solicitors in Supreme Courts) Moved to Number 25. See 25 Albany Street for full details.
1912 - 1926 Apartments
The apartments were run by Miss Josephine Loag. Then from 1924-1926 the house was advertised as a Board Residence by Mrs Agnes Cameron. Rooms were available 'by day or by week'.
1928 – (at least) 2015 Office of James C Cessford
James Cessford was a Chartered Accountant. He also acted as Manager of the Scottish Office of Cooperative Permanent Building Society. In 1884, the Southern Co-operative Permanent Building Society was established to provide a service to the members of the co-operative movement, enabling them to own their own properties. In the beginning, the Society built the houses but soon after switched to lending money to members so that they could build their own or purchase existing properties. The Society grew throughout the UK and by 1943 was fifth largest building society. In 1970 the society changed its name to Nationwide Building Society. In 1931 Cessford published A National Policy for the Co-operative Movement: With Special Reference to Prices and Dividends following a presentation at the 10th Co-operative Trades and Business Conferences, and in the same year was appointed to the Scottish Committee advising on the Rural Housing Bill.
Cessford was one of the founders of the Road Fellowship Club - a safe driving association - in 1939 that held its meetings at his office.
In 1945 Cessford’s son passed his accountancy exams and joined his father’s firm. James Cessford died in 1952. By the mid 1960s, the accountants were Eric and Ronald Cessford.