I think you would have restarted the computer already to access the new account correct? From here, it sounds like a virus/spyware controlling the rest and since you have Windows XP I want you to run combofix for me.
Please shut down the computer and turn it off. Then power it back on and lets go into Safemode with Networking.
1) Turn on the computer
2) Start tapping/pressing F8 until you see Advanced Options Menu
3) Select Safemode with Networking and press enter
4) Press enter for OS/XP
5) Choose your account (not admin)
6) Click yes to continue in safemode
Please download/save ComboFix and run it to remove these infections. Please follow my instructions.
(IMPORTANT) Click OK to continue on those popup messages from combofix, DO NOT disable the anti-virus, just click OK to go on and you might have 3 different OK boxes to pop up, and if it ask to download the recovery console just click NO.
Try to run COMBOFIX and it will take about 5 minutes to complete tops. The Microsoft Level 2 Techs use this and nothing gets past it. This is a FREE scan and it does not install anything on your computer, it runs from the command prompt!
http://www.combofix.org/downloadlink.php <<<<<<CLICK LINK TO DOWNLOAD
1) Save it to your desktop
2) Run It
When it is done, you will get a notepad with the report. If anything was deleted it will show you at the top like this....
(((((((((((((((((( other deletions )))))))))))))))))))
Here is you a GUIDE just in case you want to see what happens.
After that, close the notepad, restart your computer, and everything should be back to normal.