The method of performing a hard-format, i.e resetting it completely to factory defaults and removing all data, is as follows:
Switch off the phone.
Hold down the following three buttons: Green (call answer) button, * button, and '3' button
While holding these buttons, press the power button and switch on the phone
When the message 'Formatting' appears on the screen, release all of the buttons
Note that you shouldn't switch the phone off or remove the battery when performing either of these operations, and it's advised that the handset has a reasonable amount of battery charge before performing a format/reset. As data will be lost, you are advised to perform a backup first.
If this method doesn't work you probably will need to go to a Nokia Service Centre and have your phone flashed!
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