I would like to thank ruru69 also for the guide. I tried Cockpit VM and didn't like it but I have been using vbox for many years so I may be biased.
admin/admin is the default for a new install to log into the phpVirtualBox web interface.
After logging in to the web interface go to file > preference > users and change the users as you wish.
I have created a VM and so far it has worked ok.
I still have 2 issues
vboxweb-services does not start on reboot. I have to start it manually but otherwise everything works fine.
If I try and save a shared Folder mount in the VM settings. phpVirtualBox crashes when I try and save the VM. I worked around this by adding the mount to the fstab inside the VM.