SOAP geocoding request fails with user credential error

[DavidAdler1]

I am getting the error
com.esri.arcgisws.runtime.exception.ArcGISWebServiceException: User credentials not set/available for resource http://geocode.arcgis.com/ArcGIS/services/World/GeocodeServer?token=hodSzXcwLOIPRHEuj0vHr6Qba2tadmHd...
when setting up the GeocodeServerBindingStub

It isn't complaining about the token as before but it isn't clear what it is unhappy about in this case.

How do I resolve this?