Seen a similar head-scratcher with my own SmartSolar 100/30 last summer — worth digging into because there are a few classic culprits here.
If you're getting 21V at the PV terminals but barely any watts going in, the first thing I'd check is whether your panels are wired in series or parallel. Two panels at 21V each wired in series should give you ~42V open circuit — so if you're only seeing 21V at the controller, one panel may effectively be dragging the other down, possibly a shading issue or a duff bypass diode.
Also worth checking: what's your battery voltage doing? If the bank is already sitting at absorption voltage (say 14.4V on a 12V system), the MPPT will naturally throttle back. People often panic thinking the controller is broken when it's actually just doing its job. Pop open VictronConnect and look at the state — is it in Bulk, Absorption, or Float?
The other thing I've seen cause this on UK installs is undersized cabling creating voltage drop between the panels and the controller. Measure VOC at the panels themselves, then again at the controller terminals. Any meaningful difference and you've found your problem.
What battery chemistry are you running? LiFePO4 and lead-acid behave very differently and the charge profile matters a lot here. If someone's set it up on the default AGM settings with lithium cells, you'd see some odd limiting behaviour.
Keen to hear what VictronConnect is actually reporting — screenshot of the live data would tell us a lot. Anyone else had this on a caravan or motorhome setup?