For those experiencing issues with the payment error 401 - here's a work around, which i can confirm works for those whose accounts are registered to 'Europe & other regions';

Purchase a game-time card from http://www.cjs-cdkeys.com/ (at 1st the site appears dodgy, however i received my key immediately & it works)

Then access the Mog Station and renew your subscription using the code from CJ's Cdkeys

Voila - you can play again

Not sure if this breaks any forum rules (linking other sites etc) but given the issues i've had and the fact it's taken me roughly 5 days to find one that works it's a risk i'm willing to take