What about this then?

VB Code:
  1. Sub ImportCSV()
  2.     Dim f As Integer
  3.     Dim s As String
  4.     Dim l() As String
  5.     Dim r As Long
  6.    
  7.     r = 20
  8.     f = FreeFile
  9.     Open "C:\PersonalContacts.csv" For Input As f
  10.     While Not EOF(f)
  11.         Line Input #f, s
  12.         l = Split(s, ",")
  13.         For c = 1 To UBound(l)
  14.             Cells(r, c).Value = l(c)
  15.         Next
  16.         r = r + 1
  17.     Wend
  18.     Close f
  19. End Sub