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You dont need a driver. You can use Microsoft Scanner and camera Wizard to download your pictures. The complete procedure is given in the following website: http://www.microsoft.com/windowsxp/using/digitalphotography/takeit/transfer.mspx
camera might have a hardware issue, possibly parts need replaceing, dont know of repaircosts. But I would recommend takeing the camera to a local pc or electronics repair shop for analysis. If no warranty exist anymore.