You know you have my sympathies Graham and I've tried to help by linking to what I've found.

Having said that, this is NOT Microsoft's fault or problem. They can't be responsible for 3rd party anti virus software when they provide their own for you to use. It's called Windows Defender and it's included with Win 10. I'm not saying it's the best (it isn't) but it's there.

This issue is Panda all the way and that's where you need to direct your attention. Not that it will do much good though. I'm sure that the EULA you agreed to like we all do (who reads all that, ever?) says somewhere on page 26 in very fine print that you use Panda at your own risk, if it kills your computer don't call us, blah blah.

All you can do is fix it and move on. I seriously doubt anybody's going to pay for it.

Bob

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