Chris and Stephen - Thank you very much for your reply.
I hope I am able to give you more info on this issue.
I am using Lightroom (version 3 I think) for photo processing. I tried Photoshop Elements 7, but I was getting frustrated all the time as it was not doing what I wanted it to do. I must be too think for it.
I clean and check my lenses and filter regularly. Bought myself a set with some cloths and liquid to do it.
I am aware that I need to rotate the filter to get the best effect.
I have taken some photos over the weekend, just to show again the greyness of the photo.
It is a bit out of focus, but even if it would have been in focus, the greyness would stay...
https://picasaweb.google.com/1055791...74903752163170
I must admit this upsets me a lot and I go to a point when I need to consider going back to Auto setting on my camera.