Hi samcliffe and welcome.
Just to be picky as usual,
: should this topic be named ,
How to upload a photo to the Digital Camera World Gallery
instead of
How to upload a photo to the Digital Camera World forum
Any ideas why the user albums are configured this way, it's still going to get very messy if people forget to un-check those boxes when creating a category, they should be un-checked by default IMO. Also once you've created a category you lose control of it and can't edit it, as far as I can see. (Edit: I found the edit category link afer all)