If you haven't installed anything new recently, and your 40 users weren't causing any big load yesterday, then it's just an error on your host's part.
It happened to us once. We complained about absurd load on that server for a month, and finally they suspended us!
I think the reason is that when the server lags, forum users start banging on it hard trying to read and post, so when the tech finally gets a readout, all he sees are your users, not the guy actually causing the lag.
We called them the next morning and they believed us and moved us to a different server, where it quickly became obvious they had goofed and we weren't causing load at all. Things have been fine since.
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