FIXED !!!!
The fuse boxes are nothing like the handbook
I found the main fuse box behind the glove box
and it has about 10 times the number of fuses that the handbook says it should have
Your answer made me think ..was I actually changing the fuses I thought I was so I just took them both out and the dip beam didn't ...ooops
There are a zillion fuses in that fuse box and strangely enough there was one missing ... which
is very strange since the MOT is only about a month old - so either it wasn't in properly and it fell out or I can give you the name of a very dodgy MOT place
Anyway, many thanks - without your logical input I might have given up and had to pay a garage. So now I am happy, legal and puzzled
best wishes and thanks
M