What I've noticed on my pc running win 7 ultimate, is that when my SD card was formatted on my blackberry, while the card worked fine on the device but when connected to the pc.....errors on card pops up.
However when formatted on my pc the card, it worked fine on pc, error message, but the phone had issues with card.
To solve this I backed up my card on the pc. Then used the pc to format it, then inserted into the phone and reformatted it again on the device. Dropped the backup I made back to the card to see if the error message occurred.....it still did....this time I had pc repair errors ie. I chose to scan and fix the card option offered by windows 7.
This if anything went wrong I still had the backup. Since then no problems.
If after doing you this and you still have problems but make sure you have a backup.
Maybe make another copy of back up and save to another location on the pc.
Then proceed to folder options on your pc and click on "view" and get to show hidden folders and items.
Now delete the .dat files.
Alternatively if you can do it on the phone. Go to applications > files > media card
Now press the menu key and click on "show hidden" find and delete .dat files.
Reboot the phone.