Finally got to the bottom of the cause....they sent link via ebay as a question asking about if they I could help them..... with link to an image...... the file was a .jpg ........once download it wasn't detected by any anti-virus or anti-malware program, I was running mcaffee

I scanned the file with both AV & other software before clicking on it to make sure it wasn't a virus....even did a full scan after clicking the file to make sure with AV & Malwarebytes

Today I used https://www.virustotal.com/ which submits the file to around 50 of the main AV scanners...... only 3 AV picked up the file as a backdoor trojan ......shocking ......NOD32 was one of them  

I'm now using NOD32 as I can't trust anything else

Be careful which AV you choose