Thanks for uploading these Louise.
Your intuition is correct. It is a Common Carder bumblebee.
But this is a great example of how variable the abdomen can be. This individual has an all-black abdomen with a ginger tail.
The abdomen can be ginger all over or with varying amounts of black and ginger hairs.
This species is tricky but once you get your eye in, you can see past the variability.