No, it is O2's responsibility. Partly anyway, which is part of the problem. Firstly, they billed me for it, they must take some responsibility in much the same way as BT got hammered by OFCOM for not taking any responsibility for charges from unscrupulous premium rate operators. O2 have an agreement with the premium rate text provider, they told me that much, so they can't have their cake and eat it. Secondly, O2 sold me the phone with this feature on and they even advertised the feature in aid to shift more handsets, so again they must take some responsibility. So should Nokia, but they wont either. No one will.
They have, it's was in the region of £20 for a single days usage. After that i found Nokia's Map Loader, which allows you to do it free via your PC. O2 hardly advertise that now do they, i wonder why. I went mad and said i would cancel my contract as i was still in my cooling off period. Shock horror, they did refund that. Funny how they can suddenly do these things when its in there financial interest. If i was 2 months into my contract, i would bet my life savings the response would be more like "Sorry, it's impossible for me to do this. You will have to write a letter". But i was very lucky, the girl told me what i was being charged when i phoned up about the txt's, most people dont find out until they get their first bill and its too late.
I have a enough of O2. I had enough a couple of years ago, but foolishly went back as the signal is so good at my house.
IMO, T-Mobile are the only network that offer actual real value for money.