Photos album disappeared
The only way to solve this problem is to completely backup all the data of phone from iTunes and 3rd party software's such as "Syncios" etc. You may use Cloud storage to save all your photos to them but not to iCloud. Now you would need to restore the phone from iTunes so that every file get refreshed. This will finish all the data now by turning on cloud services you can store your photos back to Camera Roll and they would work as it need to work. Contacts can also be brought back by iCloud or syncing from iTunes. 

Do not restore backup from iTunes or iCloud as it has all problems

You can get Game scores from Game center but be carefull I was not able to get my Temple Run 2 gems and score back on phone but my record in on Gamecenter.
You would now do a fresh backup of iPhone using iTunes or iCloud but don't restore previous one

Now its up to you wether you continue using your phone as it is or solve the problem by this way. Try to avoid using icloud photos if you don't know much about it because it was the root cause of my problem

Any future queries I would be willing to answer them.