In reply to The proper Jules W:
> it helps if you resetup your login not with user name@virgin.net but username@adsl.virgin.net .. horah .. problem solved ...
Now open Notepad or Wordpad, and make a copy of the user settings, so you can paste them in if it happens again!
And if the router was completely set to default, and it's a wireless router, then make sure you put in all the proper security settings back in, too.
eg if you don't use wireless, then disable it, if you do, then use a WPA key, and don't allow remote management of the router via wireless etc etc