[BeeCeeBee]

I am going to leave the issue of formatting to someone else more capbable although I tend to believe that you may simply have reinstalled windows.

The fact that you said you labeled some pics as private and apparently did not do the same for your music leads me to suspect that you have somehow retreived them from Irfan or a related program. As far as I know XP home does not offer that kind of encryption.

You may have to log on somewhere and change the settings on the program itself. It may be a password issue.

Again that is just a suspicion but may account for how you can find files that should be gone. Have you been able to retrieve any old documents from your "My Documents folder?"