Ouch ! Sorry to hear that.
Could you have have been caught by a scammer who pretended to be from MS, or some other
'security' company who said they found viruses or a corrupt registry, on your machine and
suggested they needed to remotely take control of your machine to fix the issues ?- Or was it a Trojan or other malware that you inadvertently installed ?
- A full reformat of the HDD before reinstalling Windows is often adequate, but I have heard of the possibility of the HDD's boot sector becoming corrupted, or infected, and in that situation they do
suggest a new HDD. I think 'rootkits' are one such infection capable of doing this.
Small consolation, but at least HDD's are good value per Gigabyte these days.
.