V525 Bluetooth settings

ok , forgive me if its been asked before (i have looked on both the net and
this newsgroup) , and yes i am blonde if it turns out to be a simple answer
lol

i have a v525 with a trust bt120 bluetooth dongle , i istalled the dongle
software and set my phone to be ready for any bluetooth connections , my p.c
finds the phone (called claire) no problems , when i put a small picture
(10k) into the bluetooth transfer folder or try to obex file transfer it i
get a message saying "ftp cannot be established) , but if i go ito the
windows xp network settings window i can get my phone to ring my home number
using bluetooth so i know its there somewhere ?

don't know if its important but i'll tell you anyway , my cable modem has
a local area connection that is fine , my bluetooth connection also has a
local area connection (3) but a red cross through it , i've turned off all
my firewalls and virus checkers ect ?? don't suppose any of you guys can
help please ??

many thanks