Bird seen on peanut feeder

The last two days, between 4.30 and 5.30 (later than I see most birds) I have seen a solitary visitor to my peanut feeder. The bird appeared to have a grey head, brown back and then black and white Vs leading down to the tail. I had a quick look in my RSPB guide and the possible contenders are:

Jay - but these are normally ground feeders if I'm correct

Female chaffinch - but I can't tell from the pic if these have a grey head or not? And the guide says they are rarely seen on feeders.

What do you guys reckon?