I STAND CORRECTED!!! The message for me to click the link to go to MyAlbums was in my SMS message folder. A second later the picture message came into my MMS folder just fine. So basically...just make sure you have configured your connections settings according to the T-Mobile Wireless Configurations page. It can be found in Profezza's signature.
I spent a few hours and almost 45 free MMSs with two Tmo smartphone techs about 2 weeks ago. Learned some interesting stuff...
After setting it up like the carrier says, you do not need to call them. You just need to soft-reset (reboot) the phone. Whether you do this on the phone with them or not, it does not really "re-insert" you in any db. Your phone just has a good chance of catching another tower which will request a fresh update of your mms configs, or even forcing your updated settings onto the existing one, if you catch the same one. Evidently, the cell towers, according to one of the techs, keep "cookies" which expire at some interval, but rebooting, and thus renegotiating the connection almost always cause it to want a fresh one.
If you see no improvement; double, triple check all your settings against their recommendations, and then walk across the street and try again.
You can also, after setting it all up as per the Tmo guide in my sig, go into the registry and change the sending size to 300k. Acording to Tmo WM support, the network is supposed to send and receive files up to 1MB, but most of the phones are manufacturer-hardwired to choke on anything larger than 300k in or out. That's the pat answer for all Tmo US phones, smart or otherwise. Our test transfers of various sizes seemed to indicate this was correct for the dash. Of course, reboot for promptest effect.
Actually, I would love to see the 300k limit added to the K/R ROM, btw, since Tmo US is the carrier of a large number of of the xda-dev rowd. One less thing to remember after flashing.
I suspect this is "manufacturer-hardwired" is actually a coded-limit in the relatively out-of-date embedded ArcSoft MMS client, but I don't know of any leaks of their newer software, the new features, or how to install over the existing. If anyone else has that data, like from newer/fancier phone, I hitnk a lot of us would love a richer MMS engine ...and a little PicturePerfect, too.