Nokia :: Password On Micro Sd Memory Card

I have a scandisk micro memory card which has locked itself with a password! I emailed scandisk and they said its a common problem with nokias they put a password on the memory cards if you take them out and put them back in or update your phone etc. Scandisk have assured me that they do not make the memory cards to have passwords and its nokias fault. Can anyone pls help i cannot access my kids photos now and cannot afford to lose them No matter which phone i use it comes up enter password. Currently i am using nokia 6300 and 6600. One person on a different forum suggested going to file manager, settings, system folders, getting a file called MMCSTORE bluetooth to your pc open in notepad and password is in there. BUT i dont have anyone of these options in my phone especially file manager!