FINALLY figured out a solution
my situation was that my phone would not ring. It would do everything else but it would not ring. Volume up, in all departments, no conflicting programs, nothing. This just randomly started happening the other day for no reason..but as I need to be answering my phone, not ringing simply wouldn't do.
Resetting the phone to factory is what did it for me - I lost my one purchased app in the process though, so look out and back up your profiles if you care about your items.
I did this by first powering the phone down. Next, boot the thing up while holding power AND the letter X on the keyboard. A crazy screen with a <!> will appear. Now from this <!> screen, hold the volume button and camera button on the side of the phone - you should now be at the recovery screen and able to select a factory reset option that will stock your phone back into working order!!
Really annoying I admit and best of luck to all - If anybody has got a better idea, please post it!! Otherwise in a worst case like I seemed to be experiencing, this seems to work (and without having to go to the store!)