Really rough draft.
There are a number of issues and many have worked out various solutions, however no one has worked out that the smbpasswd has to be correct.
sudo mount -t cifs -o username=xxx,password=yyy //jim@192.168.1.2 xxx
sudo prompts for admin privs. mount is the command to execute. -t is parameter telling it to use cifs as the protocol, -o inputs the username and password and any other option. //jim@ip address (the address of the server), and xxx is the folder to mount it under.
The key here is that you need to have the samba password correct also or it will generate that message.
sudo smbpasswd -a jim
Then give it the smbpassword and then repeat it to ensure that it is correctly typed.
This is the password used above in the password=yyy spot.