I must admit this ones are confusing me a lot!

When I load a page which sends:
Code:
Content-Type: text/html; charset=windows-1250
I get text[FF 3] - both in browser and source code[CTRL+U]:
Code:
zagrebačka županija
But when I retrieve page with PHP's curl and write it to file I get:
Code:
zagrebaèka županija
How come?

And I am so confused, that I even don't know in which charset are my .php files.