Not had this happen to me, but if you want to stop it happening you 'could' use just 2g networking.
It might also be an idea to see if you can do a shortcut to 'running services' as through this you can kill processes that dont need to be loaded. Assuming that whatever is using your bandwidth allowance needs a running process, this could be key in identifying suspect apps.
Might also be an idea to get an antivirus, two main ones I can think of are 'lookout' (but its reported that it does drain your battery a fair bit) or 'Antivirus' just to make sure you dont have any nasties from the web.
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