petecogle It's not impossible that reset to defaults only resets those changes the portal thinks need changing. If a register had got out of sync, it's possible it doesn't change it. I don't know this for sure, but have got that impression from posts on here. (I don't think I've ever done that on my own inverter.)
Eco flag being turned off covers most of the symptoms, but not the timed charge. (I assume 2am-2am was a typo since that wouldn't have any effect.) Try explicitly turning that flag off then on again.
Another possible option is that charge power and discharge power have become set to 0. Or if your inverter has the pause timer feature, it's been set to pause both charge and discharge. (On my inverter, this doesn't set it to exactly 0, but something like 28W.)
On shakier ground, could it be a battery connection? Not sure if that can manifest in such a way that it can report 48% SoC but not be able to charge or discharge.