[probean]

i had the similar issue, and solved it yesterday!
okay, get a memory card reader first. then insert it in your PC with the microSD card in it.
format the microSD card in FAT (NOT FAT32, though some posts might suggest to format in FAT32) system.
load songs, videos, pictures, etc in the card.
take the card out, and insert it back into the phone.
IMPORTANT: while doing this, make sure that you push the card BEYOND the point where you hear the spring 'click' and hold it for a second may be.
then power the phone back on and you're good to go!