Re: There is no disk in the drive...
This issue has been added to the tracker:
https://winscp.net/tracker/1007
https://winscp.net/tracker/1007
Before posting, please read how to report bug or request support effectively.
Bug reports without an attached log file are usually useless.
I cannot reproduce your problem.
I have sent you an email with a debug version of WinSCP to address you have used to register on this forum.
Does this happen even, if do not switch local file panel of WinSCP to the D: ?