First, use the error console and at least you'll see the syntax errors that prevent your code starting.
You are trying to test the group of fields as a single entity, which can't be done.
Just use this function:
Code:
function checkform( form )
{
var inputs = form[ 'userfile[]' ],
field,
error = false;
for( var i = 0; !error && ( field = inputs[ i ] ); i++ )
{
if ( /&/.test( field.value ) )
{
error = true;
alert( "Change the name of the file to remove the '&'." );
setTimeout( function(){ field.focus() }, 10 );
}
}
return !error;
}