UTF-8, Unicode, Mysql, PHP, Multilang., HELP!

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I'm building web site based on osCommerce.
Web site uses three languages: english (iso-8859-1), polish (iso-8859-2)
and Ukrainian (win-1251).
I'm using Article_Module_v01 contribution, which is great and keeps all
articles in Mysql, beside that I'm dynamically inserting text and graphics in
to  Flash. I have downloaded Ukrainian languages contribution encoded in
WINDOWS-1251  it was working OK but not with flash at least not under 
etscape 7.02. (IE is OK with win-1251) I have converted all UA texts to 
TF-8 and changed meta tag to utf-8 works perfect, but when I want to
insert new text form html form (/admin), this module has 3 text areas and
in each of these areas you type or copy text in different languages.
Now the questions are:

How to insert UTF-8 encoded text from HTML FORM to Mysql DataBase?
And how to pull it out from there, so its renders correctly?

I  must add that this html form is located on page with charset=utf-8 meta
tag. (I'm using  MySql 3.22.32 and PHP/4.0.4)
Sorry, if this post is not in plain english but I'm not a native speaker.