put the sd card in the pc/laptop
once it is recognized,
click start > computer
right click on the drive and select properties
click on the security tab > advanced button (bottom right)
click the effective permissions tab
next to the box "Group or user name:" click select
type your user name and hit ok
if your not sure what it is, hit the start key it will be displayed at the top on the right above documents.
you'll notice below, are the effective permissions the stated user has to that drive.
click the box for "full control", and hit ok, then apply on the other box.