For someone who self admits they have no idea.. this is a very damming thread title. ..
Looks like you got a free template to go with your domain and as such cant change it.. that does not mean your not allowed to build your own website on 123-reg as you say... because you are.. you just dont understand how it works.. that does not make 123-reg crap.. it makes you unknowledgeable..
Sorry just dont like to see a company publicly slagged off for no real reason... I think I am on a be fair crusade today