If you're having trouble using the SSH, don't use it. /shrug
Once you have it set up, go to your project's page and click the repository link. If you're using Tortoise, copy the link for either public or developer access (they're probably the same) and then paste that link into Tortoise.
Remember that unlike the old ace, you can't just jump into the root of the repository and go from there. You have to specify the path given on the project's page because your credentials are restricted to your projects, if that makes sense.
Be sure to include the username part in the repository URL :
If you are using the svn:// url, use your username in lowercase, e.g. svn://firstname.lastname@example.org/wow/projectname/repositoryname,
If you are using the svn+ssh:// url, use the username "svn", e.g. svn+ssh://email@example.com/wow/projectname/repositoryname.
Moreover, with ssh, be sure to run a ssh agent (either the ssh one if you are using linux, or pageant with windows) with your private key loaded. Also check if your public key is in one line in your repository authorization page. Last but not least, to check the SSH connection is working, try connecting directly to the server using ssh (or putty). With PuTTy, You should get an output like this :
Using username "svn".
Authenticating with public key "xxx" from agent
Successfully connected, but no svn command provided
Even if I just try to use the password only I seem to be locked out and only get.
Commit failed (details follow):
Authentication error from server: Username not found
so I much need more fixes to my account...
I've not sure what you've tried so far but it might be a good thing for you to reset the repository password just to make sure you are typing it properly (it's not the same as your WoWAce password BTW).