This is exactly what happens if the disk image is write protected.
The 88-DCDD has no status bit for disk R/O, so it is not possible
to return this information from the BIOS to the BDOS.
If you write a file to a write protected disk, lets say:
it will return without errors, but the file of course won't show
with dir. If you try to write another file to the disk now the
directory checksum will be wrong and now you'll get a R/O
error. And formatting of a disk also won't work starting at
track 5, because from there the bits are verify after each
track written.
Put the SD card into an OSX machine and show us
ls -la /Volumes/whatever_name