Ok make sure that you have the correct files in your payloads folder. Then, go into FBI, then SD. Copy the luma folder. Go into CTR-NAND and paste it at the same level as arm9loaderhax.bin. Also copy the arm9loaderhax.bin from SD and paste it in CTR-NAND, overwriting the one there. Your SD card isn't working. After you do this, you really need to buy a new one.
What are the correct files for the payloads folder ?
Do I need to download an updated Luma folder from somewhere ?
The SD seems fine in windows and freestore installs just fine :/
Thanks for your help so far