Your HTML is wrong. The first line should be in the body of the page, and have zero border and padding, like the second code. I think that the 15th line is about the right place, but I haven't tried it myself. I am in the middle of reinstalling all my programs on the PC so this is just to help in the meantime.
YOUR CODING AS IT IS NOW:
<div align="center"><img src="bann.gif"></div>
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=windows-1252">
<meta name="GENERATOR" content="Microsoft FrontPage 4.0">
<meta name="ProgId" content="FrontPage.Editor.Document">
<title>Habbonicle - For Your Habbo Needs!</title>
</head>
<br>
<body background="clouds.PNG"> <text="#C0C0C0" link="#000000" vlink="#000000" alink="#000000">
<br>
<br>
<div align="center">
<center>
<table border="0" width="715" height="372" cellspacing="0" background="bakground.PNG" cellpadding="0">
<tr>
<td width="82" height="151" rowspan="2">
<p align="center"> </td>
<td width="208" height="151" rowspan="2"> </td>
<td width="61" height="51"> </td>
<td width="331" height="51"> </td>
<td width="19" height="151" rowspan="2"> </td>
</tr>
<tr>
<td width="61" height="96"> </td>
<td width="331" height="399" rowspan="3"><IFRAME name=main src=main.htm width=100% height=100% frameborder=0 scrolling=auto allowtransparency="true" background-color="transparent" >
</IFRAME>
</td>
</tr>
<tr>
<td width="82" height="191"> </td>
<td width="208" height="191"><IFRAME name=nav src=nav.htm width=100% height=100% frameborder=0 scrolling=auto allowtransparency="true" background-color="transparent" >
</IFRAME>
</td>
<td width="61" height="191"> </td>
<td width="19" height="246"> </td>
</tr>
<tr>
<td width="82" height="57"> </td>
<td width="208" height="57"> </td>
<td width="61" height="57"> </td>
</tr>
<tr>
<td width="82" height="22"> </td>
<td width="208" height="22"> </td>
<td width="61" height="22"> </td>
<td width="331" height="22"> </td>
<td width="19" height="22"> </td>
</tr>
</table>
</center>
<br>
<br>
<br>
<font face="Verdana" size="1" color="#000000"><b><i>Disclaimer:</i></b>
<br><i>"Habbo®, Habbo Hotel®, Sulake and associated logos are trademarks of Sulake Group. All rights reserved. Copyright, trademarks and other rights in the material from Habbo Hotel® and other services of Sulake Group on this website are owned by Sulake Group. All rights reserved.
<br>
<br>This website is neither owned nor operated by Sulake Group and it is not part of Habbo Hotel® or any other service or website owned or operated by Sulake Group. Sulake Group are not responsible for any content on this website and the views and opinions expressed herein are not necessarily the views and opinions of Sulake Group."</i></div>
<br>
<br>
<br>
<br>
<!-- --><script type="text/javascript" src="/i.js"></script></body>
</html>
What I think it should be:
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=windows-1252">
<meta name="GENERATOR" content="Microsoft FrontPage 4.0">
<meta name="ProgId" content="FrontPage.Editor.Document">
<title>Habbonicle - For Your Habbo Needs!</title>
</head>
<br>
<body background="clouds.PNG"> <text="#C0C0C0" link="#000000" vlink="#000000" alink="#000000">
<br>
<br>
<div align="center">
<center>
<table border="0" width="715" height="372" cellspacing="0" background="bakground.PNG" cellpadding="0">
<div align="center"><img src="bann.gif" border="0" padding="0"></div>
<tr>
<td width="82" height="151" rowspan="2">
<p align="center"> </td>
<td width="208" height="151" rowspan="2"> </td>
<td width="61" height="51"> </td>
<td width="331" height="51"> </td>
<td width="19" height="151" rowspan="2"> </td>
</tr>
<tr>
<td width="61" height="96"> </td>
<td width="331" height="399" rowspan="3"><IFRAME name=main src=main.htm width=100% height=100% frameborder=0 scrolling=auto allowtransparency="true" background-color="transparent" >
</IFRAME>
</td>
</tr>
<tr>
<td width="82" height="191"> </td>
<td width="208" height="191"><IFRAME name=nav src=nav.htm width=100% height=100% frameborder=0 scrolling=auto allowtransparency="true" background-color="transparent" >
</IFRAME>
</td>
<td width="61" height="191"> </td>
<td width="19" height="246"> </td>
</tr>
<tr>
<td width="82" height="57"> </td>
<td width="208" height="57"> </td>
<td width="61" height="57"> </td>
</tr>
<tr>
<td width="82" height="22"> </td>
<td width="208" height="22"> </td>
<td width="61" height="22"> </td>
<td width="331" height="22"> </td>
<td width="19" height="22"> </td>
</tr>
</table>
</center>
<br>
<br>
<br>
<font face="Verdana" size="1" color="#000000"><b><i>Disclaimer:</i></b>
<br><i>"Habbo®, Habbo Hotel®, Sulake and associated logos are trademarks of Sulake Group. All rights reserved. Copyright, trademarks and other rights in the material from Habbo Hotel® and other services of Sulake Group on this website are owned by Sulake Group. All rights reserved.
<br>
<br>This website is neither owned nor operated by Sulake Group and it is not part of Habbo Hotel® or any other service or website owned or operated by Sulake Group. Sulake Group are not responsible for any content on this website and the views and opinions expressed herein are not necessarily the views and opinions of Sulake Group."</i></div>
<br>
<br>
<br>
<br>
<!-- --><script type="text/javascript" src="/i.js"></script></body>
</html>
Let us know if it works or not. :)
Most web design is crossing over to XHTML now, so there's less code, and more CSS.