Thanks for replys.
According to manual I need to go to menu, settings, etc. But I cant go to menu coz it's locked.
O2 website says I need to have topped up €150 which I havent.
Samsung webside shows a completely different phone for that model. Phone was bought last Christmas, but doesnt exist on O2 website. It was only €49 euro, but still has €13 credit on it.
I guess it's time to recyle it and start again folks. Doesn't seem to be worth the bother. But it is still annoying though.