I'm a 4th year on 3 years funding (Biochemistry) and have no papers, not even an acknowledgement. :( It makes me feel like I'm not doing well. How bad is it? Could I get a postdoc/work in industry without any papers?

The consensus with supervisor/young lecturer friend is that maybe I could get something after I have written up, but I guess I would then be working for nothing and I've seen it drag on with people, e.g. a postdoc went away to do a postdoc and came back to write to finish a paper, and another PhD has been finished 1- 2 years and I heard my supervisor saying he was working on his paper.

don't worry. Concentrate on the PhD. Papers will happen in due time.

I wouldn't worry. I'm in a similar position - 4th year on 3 years funding (Molecular Biology) with no papers.

I've applied for three post-doc jobs and have been invited for interview for two in the next couple of weeks, so i don't think it really matters. I'm hoping that IF I get one of them I will be organised enough to write my papers promptly in my spare time...

Some people write that they have submitted papers in their thesis, although none of their papers were accepted

That's reassuring. Everyone I know seems to have 1st author/other papers except me, even second years, or undergrad project students get a mention. I did write a communication, but then the prof decided he wanted to add data to it, then lost interest. My 1st project was a catalogue of disasters, and I insisted on a new project at the end of year 2 as needed results. My new protein has generated papers, and invited to conferences for other people so far, so maybe I should be more hopeful.

cc, I think you are fine. Perhaps have a paper writing session once you have submitted.