File from CD is protected

I have Vista Home Premium.
I have successfully burned files to CD, but when I read one back, which is
just a MS Word doc, access is prohibited.
I saved it as Word 97-2003 in Compatibility mode, so that those without
Vista can read it.
I cannot access it with XP either.
I formatted the CD as one that would burn files perminently onto it.
I was the user and administrator (whatever it's called).
I did not select a password or protection.
On accessing the file, I am told that it has been protected.

How can I access it?

I am so worried now, as I have written several files to CD for security and
to save on memory.

Anne.