I sounds like you may have inadvertently enable an accessabilty feature called VoiceOver. I have include a few articles below that go over that functionallity.
Hope that helps,
Thanks for your response. I'm afraid that isn't the problem. Sounds like it would explain the speaking issue but not the square "halos" around all the icons and the fact that my phone becomes inoperable because it's locked up. I did check and VoiceOver is turned off.
Thanks again but does anyone have other suggestions?