1. "Some emails that come into the INBOX are not complete and do not have graphics."
2. "I have also had (Your email programme does not support HTML), which I do not understand."
It's likely that your email program is set to receive 'plain text' email only. Which version of Windows are you using and which email program are you using?
3. "I telephoned my server and was advised to contact a PC Technician as I may have a VIRUS."
That's possible, have you done any anti-virus and/or anti-spyware scans?