N73 Password Memory card

I have updated my phone wiht the latest update but it is asking for a password which i ahve not set please help

I bought my N73 about 15 months ago from eBay as new and for most of that time it has been a loyal and indispensible companion. Recently it started switching its self off, usually over night. Checking out the Nokia site, I was advised to get the latest software update, which I did, also at the same time updating the conectivity software for my PC. I followed the instructions, backed up my phone, installed the new firmware (V4.0735.3.0.2), restored my phone settings so that my address book was full again. At no point was I advised that if my 2Gb memory card was password protected and I didn't know the password, the card would effectively be useless. I appreciate that a catch 22 situation has reared, either keep the card or update the firmware as I don't know the password to the card. If I had been warned, I could at least have saved the details from the card to my PC.
Next course of action? Go to some flakey site that is supposed to be able to read and reset the password setting. What's the point of having a password in the first place?
Or is there another way?

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