Nokia N95 8GB data counter accuracy + T-Mobile (UK...

Hi.
I have the 10GB per month web 'n' walk max package.
I use the Nokia N95 8GB as a modem for my computer as I do not have a land line.
I reset the Nokia's data counter (uploaded and downloaded totals) on the 1st of each month.
Since T-Mobile changed the service about 3 months ago I receive text warnings when I reach 80% of the fair use policy (i.e. 8GB) and a text if I hit 100% (i.e. 10GB). If I hit 10GB I am told that I will still be able to surf but not download at peak times.
There seems to be a big difference between what T-Mobile claim I have used and what the phone's counter shows. This month, for example, I have received the 80% warning but my phone only shows a total (up & down) of 6.3GB, 1.7GB difference.... quite large I feel! Last month I received a text telling me i had hit 100% but my phone only counted 8GB total.
When I contacted tech support they checked the system and came up with different figures. The 1st system which I believe is the same one customers can access by logging into t-mobile.co.uk and downloading the unbilled data usage figures gave about 8.7GB total. This system until very recently used to crash if you attempted to download the internet usage and had used a few gigs of data... useful. The support person then checked a second system which gave a total of 9GB. However these two different systems are not the ones that generate the warnings and also the cut-off (or rather reduced surfing restriction) texts. So T-Mobile have at least 3 systems.
So I have some obvious issues. T-Mobile have now stated that the data counter in the phone will not be that accurate and will miss some data, implying it is to do with counting compressed data rather than uncompressed. I disagree. The phone counter will surely count all 1s and 0s coming through it regardless of what they are. At this point I made the analogy to my electricity supply... the meter is in my house, that is the device by which I and my provider go by. They do not have a meter at the power station end. They bill me for what comes into my house at my front door and not what is sent out. That is the most accurate method for the customer.
I wonder what Nokia would say if T-Mobile inform customers that their hardware can not add up?
I believe there is a trading standards issue looming here as I do not believe I am getting what I pay for. At best appears to be 90% use. Whilst it is true they do not cut me off entirely if I exceed the 10GB, they are not letting me even reach that point. I seems similar to the current issues surrounding quoted broadband maximum speeds and actual obtainable speeds.
So has anyone had similar problems and disagreements about the fair use policy? Does anyone have any information / ideas about the Nokia data counter accuracy?
I am on the verge of contacting trading standards and any other suitable body about this.
Many thanks.

Thanks for replying.
If you are right, and as you say "I'm guessing", your butcher's analogy seems a good one. I know that the full data packet is not just the actual data but has the header attached (which I think can be up to 60 bytes?) but assumed that only the size of the contents would be counted not the wrapping. I wonder if this is what is actually going on. It would seem extremely unfair if it is especially as it can make a good gigaybte or more difference.
T-Mobile do not provide a reliable method to keep an eye on what is being used so what chance do I have? I still come back to my electricity supply analogy which I would say is similar to yours. My electricity supplier doesn't charge me for any electrical losses that occur between my front door and the power station (well not obviously anyway).
T-Mobile don't provide any software if you use the phone as a modem (unlike their web 'n' walk software if you use their USB dongle) and suggest you find software on the net to monitor your usage. However all the software I have tried seems to have limitations as to what type of data it can and can't monitor so is less than accurate and all have crashed at times and lost the running totals. The only accurate tool in my hands seems to be the phone itself.
Surely the customers shouldn't have to worry about transmission specifics, without those the net wouldn't work at all so how can they be charged for? Customers I guess would only want to pay for the actual data they are using. If I download a 1MB file I only want to pay for 1MB. Will the TV license people start charging extra for digital TV as the data is sent in packets?
Hmmph!
Thanks.

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