I think I will not have to use the "last resort" but it was good to hear your ideas on If all else fails.
I dont really understand what went amiss but after reading it seemed like thousands of forums, someone suggested using user and no password to log in from then onward it all came together.
I also had to change the connection properties to"user" in phpmyadmin and in Navicat.
The user tab called privileges in phpmyadmin would not appear until I used the "user" login
I have no idea why this should be I definitly havent used "user" previously.
There you have it. I thank you for taking the time to assist me.