I would appreciate an explanation of the following:-
On attempting to dialup to the internet I received the following error message (this has happened on four or five occasions)
"Your computer and dial up server could not agree the correct PPS protocol!
Should mention, that this morning (my external modem is switched on before the computer or it isn't recognised by WinXP Home)the modem automatically dialed the internet when the computer was switched on.
Phishing is usually in the form of an email asking you to divulge personal info, like bank details (they often purport to come from your bank ie natwest et al.).
A trojan is a piece of software which inserts itself onto your pc by devious means, normally a software prog (not all progs, just some, usually from dubious sites) you have dloaded and installed will, secretly, install the trojan. This then performs the task it was prog'ed to do, act as a keylogger, which records every keystroke you make and then sends this info back to its maker, via the web, who can then see any passwords you may have entered (again, most likely your bank details). This can enable them to steal your identity, and/or clean out your bank account.
I assume that a Phishing Trojan combines the two.
But so long as you keep your anti virus/trojan/spyware software updated, and don't visit (or dload sw from) dubious sites, you should be ok.
There is plenty of more detailed info about this, just google it.