When you say "a hair file" what do you mean exactly?  Do you mean a model loaded from Library -> Hair palette or hair created via the Hair Room?

Is the morph data that you're trying to load designed for the hair?  How are you trying to load it?  How does it fail to load exactly?

What steps are you taking to apply textures to hair?  Going to Materials room and plugging a texture into the hair's material, or trying to run a MATerials pose?  Is the MAT pose actually intended for the particular hair item?

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