Do you get a "memory card corrupted" message?
If you connect the phone to your computer with PC Sync, can you access any files on the card?
This support discussion suggests reformatting the card. I'm not familiar with the N78 so I don't know if there's a missing setting somewhere that affects the default download location.
__________________
-- Andrew
Just Andrew.
Do I contradict myself?
Very well then, I contradict myself.
(I am large, I contain multitudes.)
-- Walt Whitman, "Song of Myself"