yes, if you send to columbia distributors, ma dugay gyud kaayo ma balik. Nikon service in the philippines is very bad compared to canon. Just try the cubao place, it may be better.
Best way is send it direct to hongkong or singapore if you have friends who can take it there.
Before anything, check the shutter count. Its easy, just shoot download and check the exif using preview on a mac. If anyone else has the way how to do on a pc please help ts.
-open photo in preview
-click tools -> show inspector
-in inspector, click exif tab
-shutter count is under the name "image number"
if its has reached the shutter life you will have to get it replaced.
As for sensor, after seeing your photo, i have experienced before on a canon p&s, two times, that the output was all white. Sent it to canon service, sensor had to be replaced - maayo na lang it was under warranty (unit bought in hk).
I am not sure, masters correct me if i am wrong. But most likely sensor. Because if shutter lag (stuck and dugay mo close) ang lower part unta ang over exposed coz shutter opens upwards right? So closes from top to bottom of image.
Try daw shoot in a darker scene, evening light at iso 800, wide open (lowest f/stop) and 1/25 na speed.