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Thanks now it worked when I removed the ' around '.

Yes. I did try with username='my username'
password='my password'

Did those settings and restarted networking in /etc/init.d.
Still the same:

# mount -a
mount: mount point does not exist
mount error 13 = Permission denied
Refer to the mount.cifs(8) manual...

Still getting the "mount error 13 = Permission denied" error message when I'm using this in fstab:

//192.168.0.100/fred /media/fred cifs...