Hello,  I am not aware of talk-GB is this in the OSM forum? - however the address system in OSM seems to take the postal type address system, with number, street, city, post code. Suburb is not perfect I agree, but with what is available it seems the best option. There is an entry available for place or village but this does not show up on the main dialogue.  Therefore I have been correcting the addresses along the lines of the standard postal addresses. As seen here: 
https://osm.mathmos.net/addresses/post-towns/PE.html 
the postal district PE5 does not have a post office located within it, I believe this is the reason for the error (red) showing.  If you pick out another area such as Chelmsford you’ll see the colour variations that indicate errors  https://osm.mathmos.net/addresses/post-towns/CM.html 
I hope this explains your query 
