polysurface?
sorry i haven't used ncloth before but if i read your question right i might be able to offer an answer
did you assign a psd to the colour of the material? the same way you would do a texture mapping with the File option? (i'll assume you did)
did you hit 6 on the keyboard to turn on hardware rendering?
tried rendering the scene?
that's a "Ch" pronounced as a "K"
Computer skills I should have:
Objective C, C#, Java, MEL. Python, C++, XML, JavaScript, XSLT, HTML, SQL, CSS, FXScript, Clips, SOAR, ActionScript, OpenGL, DirectX
Maya, XSI, Photoshop, AfterEffects, Motion, Illustrator, Flash, Swift3D