Membership media content

OK, we have setup a media group of Public Media and assigned images to this group.

We have then given Visitors a positive rule to see Public Media. We we link to a direct URL eg the image is visible, however the masked directory /downloads that the system uses does not show.

Permalinks have been toggled from and to Post Name but to no effect. The .htaccess is read only but matches the suggested content in permalinks.

Wordpress is 3.4.1 and most else works, can you help?