I recently encountered this problem while deleting files in Window's Temp folder (both the user Temp and the Temp found inside the Windows folder).
I recently deleted all files in the temporary folders not accessed in the last 7 days. After doing this, all the contents of my account went poof. The whole My Documents folder is gone, so are all the files on my Desktop. The files were not in the Recycle Bin. Luckily, I haven't done anything else yet (create/move new files into the drive, etc) after it happened. I also have data recovery software installed (one of the first things I install in Windows) so I was able to recover everything using it.
Has anyone had a similar experience?