So the issue has finally gone away for me after doing a full factory reset.
I didn’t restore from a backup and set things up as a new iPhone.
I’ve been slowly installing apps as I need them as I suspect that a rogue app was causing the issue.
So far I have all the usuals installed:
Facebook, Twitter, YouTube, WhatsApp, Slack, Amazon, Banking apps, eBay,.....
No issues so far so all these apps can be ruled out as being the culprit.
If the issue comes back I’ll try and recall what the last installed app was and report back.
Hopefully this is helpful info.