Hi all, thank you so much to everyone who tried to help me out solve my issue. I searched around, scratched my head, and finally at some point came across the reason for the problem:
My phone is a Oneplus One, "multi-sim"... but apparently, even though you can shove two sim cards in there, you can actually only use one (kind of). From what I gathered in Oneplus forums, if you want two sims at the same time, one of them has to operate at 2G.. something like that. Which obviously I cannot do with the Public Mobile sim.. or the other provider's sim. So, having removed the other sim, everything is working perfect with the PM sim. *sigh* I didn't realize this had happened, since the time I added the second sim coincided with some time before my PM account used up the remaining funds.. so that also explains why I never received the text message warning me this was about to happen.
Thanks all for your help. Problem solved. (Kind of). Time to go find a multi-sim (android) phone to replace this one.. any recommendations?