This is how I fixed MY issue with RoM Client Updater telling me that I didn't have permission to access some file thus rendering all my RoM toons with out Gold, EXP, Gear, DIAMONDS!, etc...
First use this link below. BUT REPLACE THE PATCH NUMBERS with the patch you are upgrading from (runes of magic gold) and the patch that you are upgrading to (right patch number)
Then copy and paste it into your browser of choice and DL the patch.exe file(rom gold).
Next save the file to your desk top or where ever it's easiest to find it and then restart your computer. Upon start up follow the prompts at the beginning of your start up to access SAFE MODE once in safe mode find the file and run it then just restart your computer and play RoM!You can buy runes of magic gold.
Hope this helps!