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Cardinal 3D secure transaction PW error

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Hi,
We have just gone to implement 3D secure, but are getting an issue, we raised this as a ticket but here told its an issue with either paypal or cardinal both say its not them so now I am going around and around.
When a customer tries to make payment it fails and in the gateway log we see:
ERRORDESC => Error Processing Lookup Request Message, Invalid Transaction Password
ERRORNO => 1002, 2020
TRANSACTIONID => XXXXXXXXXXXXXXXXXXXXXX
ENROLLED => U

Speak to Paypal, they say that's not their error, and when we speak with Cardinal in the US we are told they are not even getting the request from us to them, so now I have no idea.

Anyone shine any light on this for me?

Cheers

PS Latest ver of WHMCS in patch release the other day

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