I had this same problem and apparently had a issue that Avast didn't find in either the full system scan OR the boottime scan.
I contacted windows because I couldn't run the updates and they sent me this file to run, which found and cured the problem (it was \Harddisk0\MBR ). Here's the link from windows that worked for me:
Remove Trojan or viruses
==================
1. Download the file TDSSKiller.zip from the following link and save it on the Desktop
http://support.kaspersky.com/downloads/utils/tdsskiller.zip 2. Double click TDSSKiller.zip to unzip the file.
3. Double click TDSSKiller.exe to scan the system.
4. Wait for the scan and disinfection process to complete.
Please Note: The third-party product discussed here is manufactured by a company that is independent of Microsoft. We make no warranty, implied or otherwise, regarding this product's performance or reliability.
I have to say I'm very surprised Windows Help was able to help at all, usually they're a hot mess. Good luck.