Thanks guys, the problem has now been solved!
PaperTiger, you were right, it was the Bugbear Virus, thanks very much for the advice!
However, although my system is now back to where I started, for months I have not been able to use IE and have been using Netscape only, is there a specific virus to affect IE only, which has no effect on Netscape? I prefer IE and would like to get it back.
You guys know your onions, which anti virus software should I now rush out and purchase to aviod further probs?
Once again thanks to you all.