After consulting the net fruitlessly, quite by chance the problem has been solved,
I was downloading some forms and went to 'Downloads' to find them...
Sitting in there was 'Windows10Upgrade9252' the Windows 10 Update Assistant Application file.
I opened it and set it running. After many minutes (90?) the pc was ready for the installation to run.
After another 90 minutes the install finished. The Version is now 21H1, previously 20H2 and 'Windows Update' in 'Settings' says 'You're up to date'
Three cheers!
Many thanks for advice from Smokie and Stuartl.
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