Cellular Data losing money

When my IPhone 3GS is attached to Cellular Data the money I have drops. As I am on PAYG this is working out expensive. Any ideas why please.

Have now tried the sim in a C6-01 and there were no problems al at all with data connection. So now I'm guessing that there's a problem with the APN for this sim in the Lumia. Unfortunately the Network Setup app runs ok but is not fixing the problem.
If I reset the phone to clear the APNs, should I reset it with the sim in or out?
Also, on the subject of resetting, my problem seems to be the same as the one detailed here:
/t5/Nokia-with-Windows-Phone/APN-configuration-problem-Lumia-800/m-p/1232545/highlight/true#M1713
...but in their case resetting did not fix the problem.
Please please, anybody know what's going on here and now to fix it?  Surely sombody from Nokia must understand what is going on?
Thanks,
Matt

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