I did say in post #1 I am using the SDFAT library, not the SD library. Also posted pieces of the SDFAT functions. I didnt even know there was a SD library 'wrapper' or whatever its called to be honest.
Tried implmenting the SD library instead, but its not compiling. Looks like the 2012 SDFAT library I am using is not quite the same as the 2009 SDFAT library which is part of the SD library included with Arduino 1.01
No luck so far, will keep trying.