Unfortunately, you've just joined the the ranks of us who discovered the hard way that the T-Mo variant of this phone is incompatible with every other carrier. There are dozens of us who have been combing over every registry entry, adjusting every setting, and swapping every SIM. There is something in the T-Mobile firmware that just won't allow certain features, with MMS being one of them.
The only solutions for this is for Alcatel to:
1.) Fix the firmware
2.) Allow the open market FFU to be installed on all variants
#2 seems to be the easiest solution, but Alcatel will not give either option any serious consideration. I guess they figure the phone is old enough and was never terribly popular, so they'll just stonewall on the issue and everybody will eventually move on with life.