My Built-in Webcam has my image in a horizontal split screen!

Let me explain more - when I use skype for example, my image is displayed in a horizontal split screen. I have tried another chat product and the same thing happens - so it must be something to do with the built in camera or configuration of the camera. Would it be best to contact Apple about this? Will somebody have to get a spanner out to fix my quite new macbook pro? (3 months old). I teach languages online so I really depend on a decent image. Can anybody help me?