HELP! Nothing is working properly on my torch!

Hi
Hi hopefully someone can give me some advice or help, as I don't know what else to do!  Where shall I start, I've had my BB Torch for 12 months but it started having problems after just 3.
Firstly it will not recognise my password anymore, it was fine then one day would not verify!  Therefore I cannot acceas my account to add/delete email accounts or download any apps.
The phone is so slow & freezes constantly, then today all my photos/videos have vanished, apparently the media card is broken, my BB then says do I want to repair the media card obviously I say yes but it doesn't work.  All my memories gone & I cannot find any way to get them back, I could cry.  I spoke to the phone shop where I bought the phone, the first time as I said 3 months after I bought the phone on a 24 month contract.  I have spoken to them on numerous occasions & All they have said is that I will have to pay an excess to  send the phone away for repair even though i pay monthly for insurance & they stated themselves that it is obviously a problem with the phone & nothing I have done to it.  I am just so upset as they have already told me if I send it away they will wipe everything & the only way I can save it would be to blackberry sync but I can't do this as i need to access my account and of course the password won't verify!
I wish I could find a way out of my contract but they say it will cost me £300 plus to buy myself out of it, basically I'm tied in to a contact for another 12 months with a phone that doesn't work.
HELP any advice at all is appreciated!

ok so you mean your blackberry ID.  gotcha.
Are you able to login to blackberry ID from the computer?
https://blackberryid.blackberry.com/bbid/login
I will try to help you, but have to address these issues one at a time.
Please click the Thumbs Up icon if this comment has helped you!
If your issue is resolved, please click the solution button on the resolution!
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