I have been really really dumb.
Actually i'm not sure what happened.
Because of my upgrade and reinstalling woes I have had to ask for my passwords to be reset and had all but one done. Was getting a little anxious about my online debit card which I only use if I want to buy online. The password hadn't arrived and I needed to know how much was in my account as I had to pay for a purchase . Today I caught my email program (thunderbird) moving practically all my mail to the Junk folder. I don't know why it did this as I don't recall asking it to move anything much to the folder. Strange. You probably guessed the password reset info was in there. agh.