MMS issue

Original MotoDroid, no rom, completely stock, updated to 2.2.1.

Let me preface this by saying i get this problem on Handcent as well as the stock "messaging" on the phone.

Everything on the phone works perfectly except that while texting, when someone sends a MMS (picture), the text comes in with the file size and a download button. I tap the download button, it SAYS its downloading, but nothing comes in. Ive searched all the settings and have found nothing that would prevent a MMS from coming in.

Any suggestions or ideas as to whats going on? This is my wife's phone, and shes JUST now telling me its been this way as long as she's had the phone (which is several months now). Obviously she doesnt text very often or recieve MMS's, but when she does get one, it would be nice for it to work properly.