As the title says....Iv'e taken out my memory card in case that was causing issues. it's an 8 GB with 4GB availabilty on it. Iv done the usual switch on off etc etc. Iv'e removed the battery etc. Iv'e also removed the SIM card and inserted again but all the issues remain. Would a factory reset resolve the issue? Would I lose all apps if I did this? If so is there a way to save variations of windows or would I need to start again? Thanks in advance. Anyone else having these issues?