Sorry, but things are not that simple.
Your "can't complete a format" error could be due to several factors, none of which is obvious at first sight. We still know next to nothing about your system, burner and media. For instance, if you told us that Nero itself works with your burner and CD-RW media, this would make it less likely that you have a mismatch between your burner and media. In the same vain, saying that your XP Pro installation is fresh needn't mean much in practice, since experience shows that many users also install other favorite programs immediately, and some of these programs may interfere with the installation or later operations of InCD.
So if you are patient enough, please provide the information specified in section S18 of the InCD guide (by answering querries Q1 through Q12).