Yes, you can do it in N810 if you get pass the boot.

Try to dl either the panasonic SD or HP formatter and do a lowlevel formatting, the one that takes 15-20 min, not the rapid format, erasing on/off does not matter.

another option, XP>Start menu>Settings>Control panel>Administrative Tools>ComputerManagement>Disk management and delete the partition, and recreate the partiton and format as FAT32, not NTFS. It works for me most of the time, except one time, it kills the card and I have to ship it back.

bun

Can I boot the N810 and put the memory card in or will that cause damage? (Since the N810 will not boot with the card in when the unit is powered on).

Thanks!

Sure, you can try that, I have NOT done it myself. If that work, you can do the following to format the microSD in the N810, provide that the N810 recognize the existence of the SD card. If not, you back to your XP box.

If the card is recognized in your N810
1) File manager, format the card

2) xterm
sudo gainroot
umount /media/mmc1
mkdosfs /dev/mmcblk1p1
reboot

You may have to install e2fsprogs, some useful info here,

And if xterm/format does not work, I would repartition the whole card. And watchout for this bug if you choose to do that, a bug that reads beyond the physical limit of your card...I am looking it up now.... got it thread #71 and #72.
good luck,

bun