We had a file "disappear" from a PDS data folder and I chalked it off to user error and re-created the file.

Then it happened again so I started looking into it and found the following problem.

NOTE: As far as I can tell, this phenomenon only occurs when there is an attached co-borrower file (eg. xxxx.cb1)

1-Open A borrower file that has an attached co-borrower file.
2-Without changing anything in the borrower file, Click "Bor/Co-Bor" and open the attached co-borrower file.
3-Make a change the the co-borrower file.
4-Now without saving or closing anything, click File>Open (or the open folder icon) and open the SAME borrower file picked in step #1
5-You will get "The file is already open do you want to open it in READ-ONLY" dialog box, click "yes"
6-You then get the "Save Changes to c:\........CB1?.  If you click yes then everything is OK.

However, IF you click "NO" then the Borrower file Is now permanently GONE!!! Or at least I haven't found a way to get it back other than from a backup.

The co-borrower file is however still there but when you click to open it you get:

"We are sorry that your request has failed.  The details are: -Could not find file, (PDS Error Code: -54)  Please contact your point administrator"

Click "OK" and get:

"The primary borrower file C:\Users\paul\AppData\Local\Calyx Software\Point\AllUsers\paul\PDSFolders\7\BORROWER\08012303.BRW not found."

Thanks for the info - we appreciate the detailed steps.