Hey Trisscar. I read an older post on how to fix this because I had this issue. No way to tell if you have the same issue but here's what my problem was:
In the installation ReadMe file it says this:
The key words here are "copy all of its CONTENTS". You need to place all of the files inside the "ffxi" folder into the folder "FINAL FANTASY XI Test Client". Not place the entire "ffxi" folder directly into the "FINAL FANTASY XI Test Client" folder.Extract "FFXITC.zip", "FFXITC2.zip", and ""FXITC3.zip" to a temporary folder.
*Extracting the image file will require 8GB of hard disk space on the drive containing the temporary folder.
Upon completion, access the newly-created "ffxi" folder. Copy all of its contents to the "FINAL FANTASY XI Test Client" installation folder from Step #1, overwriting files where necessary.
This is what I did wrong so maybe it will help you.