I think its a card problem - not the cuddy

I had a card that this happened to - and I would get "CAM ERROR" -

I never got the card to work again with the camera. I don't know for sure - but I suspect that if you remove the card when a picture is transferring it messes up the card somehow. The one I had messed up - would work as an external disk on my card reader - but never again in the camera.

I bought new cards - and had no problem again. Im very careful not to remove the disks if the screen is scrolling anything.

I've never had to format a Compact Flash Disk.

Sorry I cannot offer more advice. I'd advise getting a hold of a service rep and asking them what causes it. They must be familiar with the issue if its happened to both you and me.

FH