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Common problem!
You sure they are lost? Where does it backup to?
I use smsbackup+ and it backs them up to a folder in Gmail.
However sometimes they wont restore as although the inbox appears to be empty, they are still somewhere on the phone. I downloaded one of the mass sms deleter things...
Try admiral. But go through comparethemeerkat as you get it slightly cheaper. oh and then phone up and try and get them to take some more cash off(this works).
If you do a hard reset(with the reset pinhole) then you will require the broadband username and password again.
Have you tried admin and password as the username/password?