Well I have eventually sorted the issue. Now on 14.3.
After two long sessions on line to no avail and almost all day at an Apple shop with a genius still not sorted.
So decided to go nuclear 😳
I backed up my IMac then disconnected the Time Machine HD.
I then reformatted the main HD and started the IMac in recovery mode. Loaded up Somoza 14.3 .
Hey presto ICloud was restored.
Then took the decision to reload all my programs manually one by one, checking ICloud status each time.
after loading all that I required I tested it for two/three days and all was well.
Then took the big decision to reformat the Time Machine, as I felt the problem must have laid in there somewhere.
After reformatting I backed up the main drive . Touch wood all has been OK since.
Still don’t know what caused the original problem but at least it all works OK now.
Downside is I have lost my excuse to upgrade to the latest iMac 😂😂😂😂