Hi,
I had the same thing. I changed some text in: components/com_virtuemart/language/en-GB\en-GB.com_virtuemart_shoppers.ini
In rule 79 i changed com_virtuemart_user_form_st_label to com_virtuemart_user_form_shipto_lbl and saved it.
After changing that, it worked fine for me and displayed the right text.
Ben