Are you having a problem of formatting the memory card using your phone? If the phone doesn't like it to format your memory card, then it could be the problem with the phone or with the memory card itself.
Try inserting the problem memory card into another phone and format it. If other phone does accept the format, then there's no problem with the memory card.
Now, to isolate the problem, try using another memory card and insert it to the problem phone. By these steps, you would isolate which one is causing the problem.
If you find out that the problem is the phone, bring it to the nearest Nokia Care Center and the repair would be free if it's under the warranty.
Have a great day!
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