A family of Microsoft spreadsheet software with tools for analyzing, charting, and communicating data.
Thank you for reading my post. I have found the answer.
The anti-virus system AVG Internet Security 2017 now has a specialized Ransomware management centre. Somehow, over the last few day of July (29 to 31) the Excel Windows application program was flagged to be blocked as Ransomware. This causes the Excel to read any files in Read-Only and will not allow Excel to save files (Sharing violation.)
Anyone else looking for a solution to their simular problem, check with your Internet security / anti-virus software settings first.