Do you have an alternate account to use for making changes, e.g. the built-in Administrator account? I have a solution for you, but it requires some Registry edits and you'll have to do them with an account other than "Charlie".
...and then you stated this...I've never used it, but my User Accounts page on my control panel says I have one, and it is named garyduanecox
If the garyduanecox account is still there, have you not tried logging into it? When the OS was "changed", what was there previously? I may be wrong, but I'm guessing a clean installation was carried out, and this prompts the installer for an initial user account to be used. Furthermore, I'm guessing the installer is called Charlie, who went ahead and set up the machine, but forgot to delete the account afterwards and you've been using it since.There is one named garyduanecox, and it has all my files through last September (which is when the OS was changed and the name Charlie introduced)