What do you exactly want to format? If you mean the whole operating system, you have to do it using a specific software and hardware like UFS box or Jaf Box (and will cost you more than or nearly the twice of your handset).
If you wish to do it that way, you have to visit a Nokia Service Center or a Mobile repairing shop. They'll do it for you with a small fee.
If you mean formatting your phone's memory, then let me know with more details.
Good luck.
Thanks for using FixYa.
SOURCE: Charge for installing a software in 3110c nokia cell
They could not have charged you anything unless you agreed to pay for it. You have not mentioned the name of the SW. Also what you agree to pay for the SW is entirely between you and the vendor. All SW are quoted differently by different vendors.
SOURCE: How to format into a format symbian java on cell
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