Sammy:

File Access Denied is usually a windows security problem.

Are you importing or retrieving?
Can you edit the file from Clarity with Notepad or Wordpad?
Workstation O/s?
Server O/s?

If importing does the file layout match the import template?

Unfortunately Paymate is no longer an Adagio development partner so they are not likely staying current with changes to Adagio. It's likely going to be difficult to resolve this over the forum unless someone has seen this exact problem before (in which case you would think that Paymate has seen it before and would know how to resolve)