Hello,
I solved my issue with logging by simply going into my PHP Admin and changing the password to admin.
Then once I was in I changed it back to my real login and everything works just fine.
1.Login to user panel (cpanel in my case)
2. Choose the data base that you have your information installed in. (open the data base)
3. scroll down to jos_users (click the first box to the left "browse")
4. You will need to click on the edit button (first button)
5. Use the FUNCTION drop down and choose MD5 the delete the current password.
6. enter a very simple password and go to the bottom of the page and save.
7. login into your backend using the new password.
8. repeat these steps to re-set the password.
I hope that this helps everyone else

.
It solved my issues.
Charlie