They will deny shaping and they would be right.
Contention, now that's a whole other ballgame.
Unshaped = http=p2p=nntp=ftp = contention = you get whatever we give you.
EDIT: but if downloads are slow but speedtest is full speed, that's shaping, on a business account, explain that AH :wtf:
It's not always that simple. It depends on the download, it depends on whether it has a P2P nature, which means that performance is largely determine by the peer (seeder) rather than the network.
We test business accounts extensively to check performance and at the moment capped and business accounts are performing at premium levels in all regions, to my knowledge.

