You didn't need to format the card. I had the same thing happen to me yesterday after I upgraded the firmware. Here's what you need to do. Go into App.Mngr. towards the top it showed me filenames (1000afe.sis [as an example]) and under neath it would say "Not Installed" and also they had the card icon. I hooked the phone up to the computer, put it in Mass Storage mode, searched for those exact file names (actually each one was in a folder with the same name, minus the .sis), then I deleted those files/folders and everything was good to go. The entries even disappeared from App. Mngr.
Also to the person inquiring if anyone has upgraded their HK phone. I had localization (11) which is HK as far as I know, and I upgraded yesterday w/o any problems. Definite improvements in the phone from .0.0.3 version.
-As I've said, the phone book can be sorted properly by First Name Last Name now).
-When the name of the caller is pronounced, the ringtone doesnt get all quite afterwards (as it used to).
-The BT headset sounds louder (I can actually hear voice activated dialing responses from the phone now) where as they were virtually inaudible (even in the quietest of rooms) before.