Located in Sweden I suffered from the same problem. Found very simple solution:

Install Open office (Oo) (my version is 3.3), it is free.

When you open a csv in Oo, the program will automatically ask you about the formatting instead of automatically changing it as in excel - choose separated by commas as in attached picture.

No regional settings change needed!!!

Jarvis - why not recommend Open office as default. It's free and obviously works better with DirectRT. Info on this matter and on the settings issue would have saved me a lot of pain for sure.