Trying to use CKFinder in CKEditor...

Hello:
I hope this is not too dumb...

I am having some problems integrating CKFinder into CKEditor.
When I for example select 'image' in CKeditor then use the 'browse server' option I get this message:

"The file browser is disabled for security reasons. Please contact your system administrator and check the CKFinder configuration file."

I am the system administrator, and i have checked the config.php in ckfinder, which seems to have everything 'true' that needs to be.

Currently i am using the default location for files /userfiles/ in ckfinder.

CKEditor has this in the config:

config.filebrowserBrowseUrl = 'js/ckfinder/ckfinder.html';
config.filebrowserImageBrowseUrl = 'js/ckfinder/ckfinder.html?type=Images';
config.filebrowserFlashBrowseUrl = 'js/ckfinder/ckfinder.html?type=Flash',
config.filebrowserUploadUrl = 'js/ckfinder/core/connector/php/connector.php?command=QuickUpload&type=Files';
config.filebrowserImageUploadUrl = 'js/ckfinder/core/connector/php/connector.php?command=QuickUpload&type=Images';
config.filebrowserFlashUploadUrl = 'js/ckfinder/core/connector/php/connector.php?command=QuickUpload&type=Flash'

default stuff i think.

i have set $baseurl and $basedir in config.php. i have made no other changes in config.php. i have not entered any settings into config.js. (ckfinder)
the test system is a win xp pro box. i believe that file permissions on directories are 'everyone:full control'.
apache is 2.2.17. php is 5.x.x. i have gd2 in php. php is not in safe mode.

can anyone advise where i am going wrong? i suspect a missing setup in ckfinder - somewhere.

any information / help would be much appreciated.
p.s. i am not using anything like drupal/joomla - i have a home written site using php.

thank you.