yep also had this problem, i checked all of the above and although i had some of the items listed my problem was still there after i changed them, this got me thinking and so i went into the toolbox and selected 'car mode'. it didn't matter if it was on or off and i then went into the setting for this app and deleted all the 'registered cars' and also unchecked the 'auto open via bluetooth' option and now i have all the keypad and speaker options available to me when i make a call.
(note that i didn't check which of the 'car mode' settings was causing the problem, so maybe you don't need to do everything?)
Thanks to all the posters for steering me in the right direction, hopefully this last one will help someone else.
Simon