Let me get this straight.
A chav is the lowest of the low - much talked about, much despised, never self-identified. Lower working class. They have Chardonnays and Jhaidens.
Someone who uses the word 'chav' is one rung higher than a chav on the social ladder, being inarticulate, poorly educated and desperate not to be considered a chav. Working class. They'd have a Kayleigh and a Liam.
Of course, go up a step and you will find people who deliberately wouldn't use the word chav in case it identifies them with the working classes. These kind of people shop in the 'right' shops, buy the 'right' cars and make sure everyone else knows it, despite the fact that only their peers give a damn. Lower-middle class. Their kids are Kate and Jack.
Studiously ignoring the lower-middles (apart from taking note of where NOT to shop and what car NOT to buy) are the upper-middles. Alternatively mocking and sucking up to the upper class, these individuals take pride in their thriftiness and generally shun the vulgarities of wealth, whilst earning a packet in the city. They prefer the names Maud and Earnest. Of course, once the lower classes get hold of those names, they'll have to rethink, but for now they are appropriately plain and non-trendy.
Then the upper class. They don't really think all that hard about anyone else, everyone else being an oik or new money upstarts. They have nothing to fear for their social status as it's been secure for centuries. They never actually spend money because they already have everything they will ever need. And they have never ever heard of the word chav. Children's names are John and Mary because if it's good enough for the great-great-great grandparents, it's good enough for them.
So, basically, everyone's a tosser (albeit a slightly better class of tosser than the tosser below him or her). God bless the UK.
DISCLAIMER: this post is meant as a joke. I very much like some of the names I mentioned. No offense intended - or rather, equal offense intended to everyone (including myself!!).