Hi Guys, thought i would share this information with you all.

If you set memory password on your phone then try to open the card with a card reader on a pc and you will find the PC "locks up" until you remove the card.  Then if you try put the card back into your phone you will get a Memory Card Corrupt message.

REMEMBER: Choose no when the phone asks you to format the card, especially if you have valuable data on it.

How to recover:

1. Download and install r-studio (powerful and cost-effective undelete and data recovery software)

About R-Studio 4.0:
R-Studio is a family of powerful and cost-effective undelete and data recovery software. Empowered by the new unique data recovery technologies, it is the most comprehensive data recovery solution for recovery files from FAT12/16/32, NTFS, NTFS5 (created or updated by Windows 2000/XP/2003/Vista), HFS/HFS+ (Macintosh), Little and Big Endian variants of UFS1/UFS2 (FreeBSD/OpenBSD/NetBSD/Solaris) and Ext2FS/Ext3FS (Linux) partitions. It functions on local and network disks, even if such partitions are formatted, damaged or deleted. Flexible parameter settings give you absolute control over data recovery.

2. Return the card to the PC and run R-Studio.
3. After card has been recovered return the card to the phone and you should be back working fine.

I suspect the issue is related to how the Symbian OS creates the password on the card, best advise is to either not set a password or remove it prior to putting the card into your PC.

And of course you should always have a backup of your sensitive data anyway!

Hope this will helps someone.