From reading your post, it looks like you are using an idx file. I could see the conflict because you need to name the idx file.
I would use a cdx file as in:
INDEX ON field TAG field. This will create a cdx file with the same temporary file name as your cursor was given.

Also make sure your temp files are pointing to the local drive.

HTH
-Michael M. Emmons

>First of all thanks Mark for the response...that got me digging futher.
>
>I think I have found the problem, but I don't know what the solution is. The first time I load the form I create the temporary cursor and create an index which in turn creates an idx file on disk. When I try to load the form again it tries to create the idx file again but it cannot since it already exists and access is not allowed to overwrite it since it is being used....Am I on the right track? maybe?
>
>Can an indexed temporary cursor be used in a form that will allow multiple users?
>
>Any ideas?
>
>TIA Paul