click here and click here to see how to use Irfan View to create a webpage with photos and thumbnails.
Then all you have to do is copy the *.html file and photos to your NTL webspace. You can preview the simple HTML page that Irfan View creates in your browser. It would like something like this one click here Post back if you get to that stage.
However, you will soon outgrow the limitations of Irfan view, and will need a website creation program of some kind. I use Net Objects Fusion, which makes the process of publishing a website pretty painless. Just like DTP. Then enter the upload username and password to publish to your webspace.
Do you have any software like Frontpage already? You could also try posting on the Web Design Forum.