I just did a scan with a nifty program called
Advanced System Optimizer (trial)
and it came up with a keylogger called "
Ghost Keylogger" .
it was in my windows > prefetch folder .
it was created yesterday, so i guess that it hasn't recorded too much info yet

..
the program mentioned above had no probs removing it, but what to do from here? change all my passwords?
also please anyone with extensive knowledge of keyloggers please tell me how they get on your PC, and how the user's interface is ( like what the attacker sees as he 'hacks' my pw's etc ).