Got it
Here was the problem in case others encounter it.
It seems the computers locale/keyboard setting was English(US)
I set up the account and password.
Then I must have set my user setting for locale/keyboard as English(Someotherplace). Fair enough as that is where I live.
So when I entered my password in at logon, given I've been taught well and my password includes every type of character under the sun, it accepted it fine. I thought I was typing BlahBlahBlah% say, but really I was typing BlahBlahBlah$, as the pc thought I was using a US keyboard. Then the computer sent the SMB server BlahBlahBLah$ and the SMB server complained. It asked for my password and I typed in BlahBlahBlah% again, but this time due to the user settings it really did see it as BlahBlahBlah%, and hence sent the correct password to SMB.
Anyhow - computer has now emigrated from the US and joined the user in his country, who is pleased to be united - he doesn't have to type so many letters anymore now they are together.
Aint I dumb! Now if you could only see the password as you typed it in

(Mmmmm). Old mistake, new twist. Anyone got a third order keyboard locale problem out there!
Not your problem is it John?
Amos