MP3 directory or contents file do not exist
the card type is ATP MINI SD (with adapter)
go to menu->setting->mini sd card.
there you can format the card.
after formatting, you'll see 3 folders, 'MP3' 'Image' 'Video'.
put mp3's in MP3 folder.
if you want to copy an image taken by the phone to the sd card, the image is copied to 'Image' folder.
the same works for 'Video'..