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In Camel 1.4 or below Camel FTPConsumer will poll files regardless if the file is currently being written. See the consumer.exclusiveRead option.

In Camel 1.5 the file consumer will avoid polling files that is currently in the progress of being written (see option consumer.exclusiveRead). However this requires Camel being able to rename the file for its testing. If the Camel user hasn't this rights on the file system, you can set this option to false to revert the change to the default behavior of Camel 1.4 or older.

Also in Camel 1.3 since setNames is default false then you must explicitly set the filename using the setHeader expression when consuming from FTP directly to File.
The code below illustrates this:

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