There’s a little more to it than just the material.
The SMD file contains the material names and what triangles these textures are drawn on. Doctor_cloth should be found in the SMD file and should be the texture assigned to the model for example. In your QC file, $cdmaterials points to where the materials can then be found (starts in materials folder) so it would for example say $cdmaterials “models/11thDoctor/.” The material then points to the texture(s) used. All three of those along with the texture files themselves much be synced properly.
I checked where it was looking for the textures/texture names and also rechecked paths such as in the .qc
Everything points to the right textures, but only the hair textures load correctly.
As I said, it is loading the textures but only using a color from the very top left corner.
[editline]16th December 2014[/editline]
Figure it out. It was just a UV mapping issue with the model I imported.