I had that happen with some word docs not too long ago - even though I was the one who created them [same user and an admin on the computer etc]. I will try to remember what I did to get around it permanently - I think I had something checked somewhere in Word... properties or something that I shouldn't have - but there was a workaround too that I did for a couple of specific files before I figured it out. Especially if this is the only thing you use the program for, the work around may be enough...

Right click on the file
Security Tab
Then messed around with the permissions etc there until my user had been given permission to use the file

I've never used Access but the Excel properties thing looked about the same so it may for Access too.

I'm off to clean but will try to remember what I did to set it that way in the first place :p .

Carol