I have a iPhone 4 on IOS 5.0.1.
I am unable to send or receive photos by email or mms on 3G. On 17 Feb I received a text from number 2030 asking me to download new settings for the internet, which I did. Shortly thereafter I couldn't email photos on 3G any longer (only on Wi-fi). I have since changed the settings back to those provided in the forums for iPHone 4, switched on and off, but still I am unable to send/receive pictures on 3G.
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u need credit to send mms
Enter these settings into your iPhone
(Select Settings -> General -> Network -> Cellular Data Network (or Mobile Data Network)
leave blank as giffgaff do not provide it
MMS proxy: 220.127.116.11:8080
MMS Max Message Size: 2097152
MMS UA Prof URL: leave blank
Once you have manually entered these settings restart the Iphone and you should be on your way!