Cold girl in English city (7)
I believe the answer is:
chester
'city' is the definition.
(Chester is an example)
'cold girl in english' is the wordplay.
I cannot quite understand how this works, but
'cold' could be 'c' (eg on taps) and 'c' is present in the answer.
'girl' could be 'hester' and 'hester' is found within the answer.
This accounts for all the letters.
This may be the basis of the clue (or it may be nonsense).
Can you help me to learn more?
(Other definitions for chester that I've seen before include "Walled English city" , "See 8" , "historic city" , "Tetchy cries (anag)" , "County town on the river Dee" .)