Hi Paul. I'm Greg, an installation specialist, 10 year Windows MVP, and Volunteer Guardian Moderator here to help you.
You do not need to format the stick, as Media Creation Tool should do it all. Follow the steps in the middle of the download page here: http://windows.microsoft.com/en-us/windows-10/m...
Everything possible to get WIndows 10 to start is here: http://answers.microsoft.com/en-us/windows/wiki...
When was the last Clean Install? The reason I ask is because no one who has followed the illustrated steps in this link which compile the best possible Clean Install has ever come back (that I've seen) to report another problem: http://answers.microsoft.com/en-us/windows/wiki.... It is a better install than any amount of money could buy and a great learning experience that will make you permanently the master of your PC because you will know what works best and have applied it with your own hands.
I hope this helps. Feel free to ask back any questions and keep me posted. If you will wait to rate my post, I will keep working with you until it's resolved.
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