In preparation of returning the phone to DX for inspection, I've reset the phone, and then removed the memory card.
I now have a useless 32Gb micro-SD card. My camera won't format it (card is locked), and Windows won't even see it. (I've found out now what the 'S' in SD means now! - MS use the SD-card security feature to lock the card (as well as proprietory formatting it)).
I've discovered that (only?) a Nokia N8 can format the card and make it useable again...
If you're in Otautahi (ChCh) and have a Nokia N8, I'd love to hear from you.