Had problems in windows 7 and now in windows 10. What's the common denominator here?
Remove BullGuard from your system and enable windows defender. What are the results?
If you feel like you must use AV software, try AVG Free or aVast. They have paid versions as well. The software firewall built into both operating systems provides adequate protection in the majority of situations. Practicing safe browsing habits and using common sense also applies. If you have kids, limited user account, a good free AV software, training and supervision works well. Don't let your kids use the system you are performing your banking on. Perform regular data back ups and let them learn. Have a problem, get a virus... restore from back up and don't sweat the small stuff.