I bit the bullet with a fresh install and my phone is working as expected and I have contacts switched on for all accounts.
I read on another thread that someone tried a restore from their PC/Mac seems to reinstate the problem. So
I made a full back up on my mac with itunes as fail safe option.
Then I went into Settibng>icloud>backup and switched that on and clicked "Back Up Now". Check your photos are within your icloud capacity, or are synced somewhere else. I then checked backups were enabled for any apps with data that I wanted to save - Whatapp was the only one for me. I didn't mind the other apps started afresh from a blank install.
Double check you backups have been completed!
Finally, go to settings>general>reset>erase all content and settings. Wait ....
You'll be sent a text with the two step authorisation code which is a problem if this is your only phone because you can't access texts before authorising the phone. However the "call me" option does work.
If all else fails, you can restore from a cable into your pc/mac - but this will restore the fault too.