I have a question to the experts

I have twice discovered - solo mining - that I have found a block - cgminer - accepted and so forth - and then the wallet pops up that little incoming message - but when I open the wallet nothing is incoming - not even after a while..!?
Is it possible that someone somehow can interfere with your wallet w/o you knowing it - and then redirect the incoming to an outside wallet..?
if so - how can that happen?
when I have encountered this I have deleted the whole wallet dir except the wallet and conf - restarted the qt and waited for the whole chain to be downloaded.
but I continue to suspect something wrong because I am still losing a lot of coins which I normally mine over one day - not even just a bit less due to increased diff - but a lot less - almost to a standstill..