Not Able to Save/Send Things to Memory Card

I have a new LG KC550 and put in a 1GB memory card. I then started to send photos from my old sony ericsson to my new phone via bluetooth. Eventually it said memory full even though it had only sent approx. 20 photos. I read the manual and found that I had not "formatted" the memory card. However even once I had done this it would not allow me to send any more photos or music. When I checked the memory status of the memory card it says 0%. How can I save/send things to the memory card? I brought a KC550, got a 1GB memory card cannot send nothing to my phone through blue tooth neither the cable which come with my phone. now it is saying my external memory is full and it has put it somewhere on my phone but I cant find it anywhere please can someone help? x