During boot I am getting the following message (in a nice little box) which I have never seen before:
Users Home/.dmrc file is being ignored.
This prevents the default session and language from being saved.
File should be owned by user and have 644 permissions.
Users /Home directory must be owned by user and not writeable by others.
When I tried to access /home via the desktop shortcut I got a message saying that Caja had similar issues (sorry forgot to screenshot it) and since then the desktop icons have vanished.
Any ideas on the way out here? Urm in other words HELP!

(Only changes made today was re-install of Oracle VB and Windows 8.1 followed by upgrade to windows 10.)
AND get this in terminal:
bash: /home/geopol/.bashrc: Permission denied
geopol@georgedog / $
AND now nothing works from the 'menu',