Can't Answer Incoming Calls on Treo 700wx when Phone is Locked

I just recently switched from a PPC 6700 to a Treo 700wx, and am experiencing a real serious issue here. I can't see who is calling or answer any incoming calls (or ignore them) when the phone is off and locked (via the lock capability in the settings -> personal section). I was able to do this on my PPC 6700. I need to keep the lock functionality enabled because I keep sensitive information on my phone and if it is lost, I do not want such information to be readily accessible to anyone who finds it (or steals it). However, not being able to answer incoming phone calls or see who is calling me unless my phone is previously unlocked just doesn't work for me, as 99% of the time I'll get phone calls when I'm not using the phone and therefore it is turned off and locked. Anyone have any suggestions or ideas on how I can fix this? Thanks!!