That folder should not have an index.htm in any case, that folder is used for the WD site resources only.
That message simply means that folder 'indexing' (listing) is not enabled, but the (host) set default message is wrong.
It appears to me that either 0.png (and all other images) does not exist on the server, or the host has some screwy permissions set.
Likely the former in this case because the default.css and roe.js certainly are there.
http://www.scosc.net/index_htm_files/default.css
http://www.scosc.net/index_htm_files/roe.js
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