Right... i've finally managed to sort it!! (you've no idea how good this feels!)
The problem was simple in the end. In the "Audio Control Panel" Creative put in with the driver download, there is a setting where you state what type of speaker set up you have... ie 2.1, 3.1, 5.1 etc. It was set to 7.1, so i changed it, and bloody bingo!! Now i've never seen one of these bloody control panels before so didn't even know it was there until just a minute ago.
Cheers for your help anyway!