since built-in ang mem ana bro.. go to contacts->Mark All-> Copy bus card->to other mem..
then connect your phone to your PC as MASS STORAGE.. go to OTHERS->Contacts then copy all the files there and save it somewhere sa imo PC..
format your phone by dialing-->*#7370# default sec code is 12345
or by:
**turn off phone
**press and Hold the following three buttons: the green Call Answer button, the “*” button, and the number “3″ button.
**while holding these buttons, turn on the phone and keep holding the keys untill you see the Nokia logo
after sa format.. connect your phone to your PC and copy the vcf files you saved and paste it on E:/Mass Storage/Others/Contacts
you can restore your contacts by going to contacts->Mark All-> Copy bus card->from other mem..
or you can synch your contacts via OVI SUITE bro.. just download the latest version and you're good to go..
just my 2 cents..
