On the target machine, windows/terra term, I say receive Z modem file.
On the sender machine, AOS 5.1 + Zoc, I say send file, you'll get a warning, if you don't have rts/cts enabled, the transfer might be unreliable.
As soon as you pick your file, Zoc packs it up.
I'll see if I find anything in the crash log and post it next.