Eseries / Communicators :: Unable To Access Contacts Saved To Phone Memory

I bought E7 about a month ago. Previosuly had N95 and LOVED IT but I needed to update. I am having problems with my contacts. All my contacts are saved by sim card. I thoght sim was problem but No. Even with replacement sim, I still get errors as described on subject line above. I am thinking about contacting Nokia and get a replacement. I want to add pictures and ring tones to my various contacts but it is not possible with these errors that I am receiving. I try to add a new contact and phone does not allow it by, once again, providing an error as mentioned above. Some times, phone says that memory is full but yet the phone indicates that there are 150 contact slots still available to be used.