Iphone 4 email accounts not available

I haven't been able to send email in quite a while.  I can recieve but not send (iPhone 4 with most recent iOS), the error I recieve is "the connection to the outgoing server "mail.charter.net" [my correct server in Outlook] failed."
I go into my Settings-->mail, contacts, calendars and all my account info is shaded and won't let me click on anything.  I used to be able to change this info but no access...I've restarted the phone several times and done quite a few google searches for help to no avail...

Check Settings>General>Restrictions>Accounts, make sure this is set to Allow Changes.

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