[dc2007]

you can try to create a screen shot of your config and post here or save it as single html archive so others can able to check it whats wrong.
another thing you can temporarily directly connect your 3102 to your modem as it have a builtin router, though i very much doubt your problem have to do with routers.
and check also your dial plan in line1 because sometimes the conflict can be found there.
and as you said you dont mind having all your pstn calls go to the same vm then you dont have to put anything at all in user 1 tab. dont touch anything there.