Text Messages (SMS) automatically being sent as a MMS and charged.

I have just recently noticed, after the recent itunes/iphone update, that everytime I try and compose a SMS (text message) it is sent as a MMS. I only first realised when I noticed my credit had come down drastically!
Even when I try and send a message to a single contact, at the top of the screen, instead of "text message" it says "MMS" The only way I can stop this happening is by turning off the MMS option within the settings, which is really annoying.
Has anyone else experienced this? Or if anyone knows a solution, I would be most grateful.
By the way my iphone is the new 3gs (16gb) it is not jailbroken.
Thanks.

Have you tried contacting your provider for help? They may be able to fix your account so it sends SMS as SMS.

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