I use UTF-8 on all my pages, but some Swedish characters (å ä and ö) get messed up (just a square box with some letters in). My database is set to utf8_gener
I think it is important that your file is encoded in the same way that of which you set your charset in the meta tag. When they differ I think there are problems. So you need to know what your file is encoded to!
If file is encoded utf-8 then use:
<meta http-equiv="Content-Type" content="text/html" charset="utf-8"/>
If yout file is encoded with ISO-8859 then use:
<meta http-equiv="content-type" content="text/html" charset="ISO-8859-1"/>
When I keept them both the same, the encoding of file and charset in meta-tag it worked. Good luck!