buy a card reader  and insert ur mem card with the sd adapter to the reader. after this connect the reader to any computer with administrator rights. open my computer and on the mem card rt.click and then format. now its done.

dude! i mean whu would give away such handsets at such low cost? it must b a trick of somekind or they must b dubbed china mobiles.

Go to the nearest Nokia Care centre and they will do it free of cost if the phone is in guarantee period.

If not then they will take a minimal amount as they are the authorized people.

It will take half an hour and you will get the phone back..

If your problem is solved then this info is for others facing the same issue.