Reducing the detail and blowing in some white space, your template looks something like

<table>

  <tmpl_var form-start>

    <tr>
      <td><tmpl_var form -submit></td>
    </tr>

    <tmpl_loop name="PHONES">
      <tr>
        <td><tmpl-var field-looped-CHECKBOX></td>
        <td><tmpl-var name=FNAME></td>
      </tr>
    </tmpl_loop>

  <tmpl_var form-end>

  INSERT_NEW_RECORD_HERE

</table>
[download]

It might be a bit easier if you gave an example of how you would expect the above to render.

I agree with ELISHEVA that adding an id to each field may be the way to go.

I'm a great fan of H::T partly because it is lightweight and it would be a shame if it got mucked about with. :-)

btw, <tmpl-var...> throws an error in H::T.