ive just got it working again by uninstalling and reinstalling WinSCP from pc and OpenSSH from phone until it worked (had to do it approx 30 times over 3 hours)
strange thing is i managed to do that yesterday after reinstalling only once

i have not selected anything other than the default protocol, and for me that is: SFTP, and 'allow FCP fallback' is ticked, i tried changing all of these when it wasnt working and it made no difference,

the app worked for approx 6weeks with these settings, and its now working again with these settings

yes my user name is 'root'
and yes my password is correct

but when its not working those things seem irrelevant anyway cos even if i leave username and passwork blank or if i deliberately type a different password and username i still get the same : network error: connection refused

my wireless router has always been perfect for every device or program associated with it so i cant blame that

would still like to see a solution as the next person with this problem will end up searching the internet all day like i did yesterday, and seeing lots of other people with the problem but with no clear solution for fixing it

as strange as it may sound i think that actually typing my ip addr into WinSCP when creating a new login profile, instead of pasting it in from a text file was what fixed it, (even though there both exactly the same)
ill find out next time it goes off