I've tried to open my flash disc but it says that I need to format it, I can't afford to do this because I'll lose valuable information that I have stored on it, how can this be resolved

Is the PC you've used before is the operating system is windows Xp? If you've using windows Xp before then you've plug it in a windows 7 Operating system, it means your hard disc have no problem the operating system of your PC is different than before. Try to plug it in a windows Xp operating system then recover it in there then format it in a windows 7 operating system then, the windows Xp and windows 7 try to make a network place in the connection then share the hard disc files that you've recovered then copy and paste it in the newly format hard drive that formated in a windows 7 operating system.

SECURITY CODE:

If you are talking about the security lock code to enter into the phone then once it is lost nothing can be done except flashing the mobile . Because if anybody can give the security code created then who ever who steals your phone can get into it and get your valuable information.

So as safety precaution to avoid that they have designed it such that if you forget the security lock you have to reset the mobile memory by flashing the mobile at an authorized service center.So while flashing the mobile all the data in the mobile memory will be lost and you can again start using the mobile.

This isn't a bios setting, it's a setting that Compaq put somewhere (probably the MBR) of your OS to only allow it's restore discs.
If you want to use straight Windows XP OEM discs, just boot to the disc and you'll be able to install Windows. If that doesn't work, just format your hard drive(you'll lose everything) then boot to the XP and install that way.

Try inserting it into a different USB port, or try one on a different computer. If that doesn't work, you'll have to resort to formatting the disk to continue using this flash drive. (Formatting deletes all the data on the disk though).

Hey bro, im sorry to inform you that there is no way to recover your memory card without losing your data. But if you are fine with losing your data, then try this out.
Put your microSD in a nokia E-Series phone. I'll suggest the E-65. Now, go to the memory card in the TOOLS folder and select options, and choose FORMAT MEMORY CARD. It will ask you for your confirmation, press yes if you want to, and it will format your card and remove the password. I hope this works for you. Cheers ! I've tried it out. It does not ask you to put in the old password before formatting. It worked for me !

Recover what you can from your files using 
http://www.softpedia.com/get/System/Back-Up-and-Recovery/smart-recovery.shtml
then junk that card - it's dying (or at least stop using it for important files).

Try to run CHKDSK from command prompt, and if that doesnt work, its probably corrupt / hard to recover

YOu need to use Get Data Back for FAT to recover files. Then format it. To give it a try just insert it in any other computer.

Hi,
This will be due the Format, That you,ve buned The CD In.
A standard CD Player, recognises the WAV Format.
If you,ve downloaded music, it will be in WMA Or MP3 Format.
You,ll need a program such as Nero, to convert the files To WAV Format, to get a standard CD Player to recognise Them.
If you need further information On how to do this, Please mail me. And i,ll assist you further.

Mike @ Compurepair.

my computer asks me to format my flash disk yet have been using it over and over a gain.what could be the problem pliz help.peter Okeyo