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Type *#7370# followed by security code to format ur phone or in menu setting - restore factory setting followed by security code to format ur phone
Default security code is 12345 & if u have changed it u have to insert that to format
hello... your problem suggests that your memory card is corrupted and i dont think u can recover a corrupted memory card. buy a new one n try not to inserting/removing a memory card carelessly n frequently. its better to format your working memory card through ur mobile phone than wid pc software but if it struck then try to use card reader n format it through ur pc just like any other removable disk drive n for Nokia N72 the memory card's file system is only FAT and not FAT32.