did a hard reset, now all the apps and transformers are gone!

[vista64htc]

well, i went down there and they said based on my credit class, they signed me up on a flex pay account, which i guess is not a 2yr contract but month to month and that is why they charged 249. so i called a t-mobile store and they said if i walked in there and qualified for a flex pay, i would have paid 449 for the phone.