Yes,

SET QUOTED_IDENTIFIER OFF was set at the top of the script. The basic problem is that I've got a file with data fields such as:

"3637","","","","1505 London Road",......

and using the BULK INSERT command (as shown) it is giving

"3637 <NULL> <NULL> <NULL> 1505 London Road

Everything is right, except for the "3637 which keeps on picking up the ".

Hopefully that is clearer.