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smart virus please help

Please can anyone help. was browsing internet on google chrome when mcafee warned it had blocked trojan. happend twice more then chrome closed and got about 30 write fault error mesages. then most of desktpp disapeared and got a message to say hard drive at risk and should scan. clicked that and got this smart thing which wants me to pay to fix. am now on fone so have searched and can see its virus. saw some fixes on youtube but some coments say fixes come from virus people. please help- i dont know what to trust and am least techy person likely to meet :-(
:wall:Trying to get a grip :think:
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