MY CAMERAS SHOWS 'MEMORY CARD ERROR'. i'VE TRIED TAKING IT OUT AND RE-INSERTING IT.

SOURCE: Photos stuck on integral memory?

When viewing pictures, select the 'Menu' option. Scroll down and on the second page there's a 'copy' function that can either transfer photos from internal memory to a memory card or vice versa.

I didn't know this was possible until today, either. Handy!

SOURCE: Message: Memory Card Error - Memory Card Parameter Error on 4gb SDHC card

I recently bought a DMC-TZ3 and have been researching memory cards. Several sites sell cards with the camera and list the card type. I would suggest buying one of these cards. Any cards larger than 2gb must be SDHC type SD cards. There appear to different types of SDHC cards, 1.0, 1.1 and 2.0. Check out Wikipedia.org for a description. 2.0 cards are not compatable for devices developed prior to 2.0 so that may be the reason for the camera problem. So far I haven't seen anything that states what type SDHC card the camera requires. I found a computer memory site that that sells memory that they say will work. There may be others.
http://www.mymemory.co.uk/compatible-memory/Digital_Cameras/Panasonic/Panasonic_Lumix_DMC-TZ3

SOURCE: Message: Memory Card Error - Memory Card Parameter Error on 4gb SDHC card

I have been rummaging around trying to find two solutions: 1) to get my Toshiba Satellite card reader to read SDHC cards and 2) to get my desktop USB ports to read SDHC cards. While MS offers a hotfix for XP, it does not always work because of the different Chip Sets in computers. I have also read where posters say that the SDHC card works in the compter NOW, but NOW will not work in the camera... and the SDHC card NOW works in the camera but will NOT work in the computer.... I found a tekkie article that may help clear the air... SDHC cards are formatted in Fat32x (NOTICE the "x") and SD cards are formatted in Fat32 (no 'x') and these compatibility problems arise when the user unwittingly or unknowingly RE-formats the SDHC card, either when it is put in the computer and won't read or when it is put in the camera and won't read... but just don't bother to mention that THAT is what they did upon inserting the card and only proceeded to complain about an apparent incompatibility. The camera or computer might even mislead you asking if you want to format the card..... but all is not lost. The Panasonic site gives a program AND a pdf instruction book on How To ReFormat an SD or SDHC card specifying the proper Fat32x or Fat32 format. Hope this helps.

SOURCE: can't access photos

Insert the card...go into the menu and scroll to "copy". Follow the directions for copying the internal memory to the memory card.

Testimonial: "life saver! cheers mate! great help! x"

SOURCE: Message: Memory Card Error - Memory Card Parameter Error on 4gb SDHC card

you may try some card recovery software, recommended asoftech photo recovery that helped me before.
http://www.asoftech.com/apr/

If needed, you may do a quick format of the card, and then use asoftech photo recovery to recover files.