Time to make a decision to make it a warranty issue or switch phones. Microsoft has a history here. Not a good one.
Hi. When I try to back up my apps & settings on my Lumia 820 it gets to about 98% backed up then says "there was a problem backing up your settings. Please try again later" Every time I try to back up I get this error, and always at 97 to 98% finished. My phone has not backed up for 5 months.