TurboSIM and SMS not working.. I'm an idiot.
So, after hours of fiddling with tiny bits of plastic, ssh and sftp. I finally got my iPhone on o2 in the UK.
Although, I couldnt receive or send SMS.
I finally figured out that my N95 was using the 3G connection to download from the message centre.
I took my SIM out of the iPhone (after powering down first), put it back in my Nokia, changed the SMS settings to use "Packet Data" and not "UMTS". Replaced, rebooted, and now all is good. I'm SMS'ing
Hope this helps some of you.