Form load: object error

Option Compare Database
Option Explicit

Private pHash As daily_status_v1.clsHash

Private Sub Form_Load()

'   Error: 91 - Object variable or With block variable not set
    Set pHash = New daily_status_v1.clsHash

    With Me
        .NavigationButtons = False
        .ScrollBars = 0
        .Moveable = True
        .ControlBox = False
        .RecordSelectors = False
        .RecordSource = "tblUser"

        With .cboUserName

            .RowSource = "" _
                & "SELECT " _
                    & "u.Id, " _
                    & "u.FirstName & ' ' & u.LastName " _
                & "FROM " _
                    & "tblUser u " _
                & "ORDER BY " _
                    & "u.FirstName & ' ' & u.LastName ASC"
            .ColumnCount = 2
            .ColumnWidths = "0;2"

        End With
    End With

End Sub

Private Sub btnLogin_Click()

    Dim UiPassword As String

    UiPassword = Me.txtPassword.Value

    If Not VBA.Information.IsNull(UiPassword) Then

        Dim DbPassword As String, _
            Criteria As String

        Criteria = "Id = " & Me.cboUserName.Value

        DbPassword = Application.DLookup("[Password]", "tblUser", Criteria)

        If pHash.Check(UiPassword, DbPassword) Then

            Application.DoCmd.Close acForm, Me.Name, acSaveYes

            Set pHash = Nothing

        End If
    End If

End Sub

Private Sub cboUserName_NotInList(NewData As String, Response As Integer)

    Response = acDataErrContinue

End Sub