Hi Joe,
Ah, now I did look at the file size and the type both seemed to be "normal" jpg. Never thought to try another file, (no idea why) I have and it works so this is an issue with the file.
I have had another look and Photoshop would not open it but I managed to open it in Paint, did a quick re-save of the file and now it works!
The exif data tells me the file was taken with a fuji xt4 and as this is a mono image I am guessing it's come straight from the camera, so maybe just a quirk with that type of camera...
Thanks for your help.
Stephen