Firstly, my appologies for not replying sooner, i've missed a pile of emails and all sorts of things to do relating to the Pi and the PiXi-200 over the Christas period, i'm only just 'recovering'.
Thankyou to every one who responded, it was found to be a permissions thing in the end. As a novice with Linux i'd think I messed something up by creating a folder under /home and then adding a user with the same name so I think it failed to completely add the new user properly because the user folder under /home already existed.
So I made a fresh start from a blank Raspbian installation and went through it all again, taking in everything everyone had said here and it worked first time.
Many thanks to all