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The focus mechanism is jammed inside the lens. The lens will not retract if any of the slide rings inside the lens are out of alignment.
Read my tips page on my profile under "the only way I know how" for focus, zoom error.
If you can't free it from the out side then you have to open it up and reset it.
my email is on my tips page if I can be of any more help
Your lens motor is most likely burnt out. The only way to continue taking pictures is push the lens in manually, You may have problems with the focus after doing this, so just turn the lens manually until you are zoomed in properly. If you have a warranty now is the time to use it.
Unfortunately this is one of the hardest cameras I have come across to repair. The plastic guide lugs inside the lens which keep it stable are so small that once they get damaged they are virtually impossible to repair and only a replacement part seems to rectify the problem. Source a donor camera on ebay for a cheaper option than sending to fuji. F45fd and F47fd use the same lens so these are an option for a donor if F40fd is not available.
if the "!ZOOM ERROR" message is displayed on the digital camera, switch the camera off and on again 2 or 3 times. If this does not clear the error, take the camera to your nearest FUJIFILM Service Station for testing and repairs.
Usually down to the lens block assy being faulty.Is the lens retracting and opening properly?.It usually turns out to be worn gears in the lens drive assy or the result of a fall.Either way will be expensive repair!My advise is check and see whether camera is covered by insurance for accidental knocks.,