How long have you had it? Less than a year, then contct your wireless provider for warranty information. If they refuse to help, contact Nokia directly (www.nokia.com).
Your wireless provider should make an exception to let you download those products one more time IF you purchased them from their own site. If you got them from a third party vendor you will need to contact them directly to see if they'll make an exception.
Also, before you do any of them, remove the back of the phone and take out the battery. Do you see a red or a white dot?
If its white, great, go ahead and call up your provider or contact Nokia.
If its Red, then you are out of luck. It means it got wet, and water damage is never covered by a warranty.