I've just been searching through the Discussions forum on Nokia's web site and I found a similar thread. One user (rayhipkiss) wrote, "The battery does stop accepting charge at 100% but it will start to discharge and when it reaches something like 95% to 98% will start charging again. This is known as bump charging or over charging and can damage the lifetime of the cells."
Then another user (jraduga) gave this further explanation:
[[/I]So what I get from all this is that once the phone detects that the battery is full, charging will stop; however, once the battery drains to a certain level, it will start charging again until it hits 100% then stops. Then this process repeats again once the battery discharges to that specified level again. I think this process of "bump charging" is what is meant by the term "overcharging" in Nokia's user manual statement, "...overcharging may shorten the battery's lifetime." If a battery has a finite number of charge cycles in it's lifetime, then "bump charging" would shorten the lifetime of the battery because it uses up more charge cycles.
So when you leave a phone on the charger overnight, the phone will not charge continuously. It will stop charging when the battery is full, so no worries about the battery overheating and damaging the battery. But what could be bad about leaving the phone on the charger all night is the "bump charging" that can occur, which over time can shorten the lifetime of the battery. Of course I'm not sure to what extent this "bump charging" can reduce the battery's overall lifetime. It may only be a small amount that we'd never really notice anyway. I think this is all starting to make some sense to me.
So I guess the bottom line is that it's OK to leave the phone on the charger overnight if that's what's convenient for you. It shouldn't damage your battery in the sense that it's going to become overfull and overheat. Just be aware that it could possibly use up your battery's charge cycles faster and reduce the battery's overall lifetime. If, like me, you like to err on the side of caution, and can charge your phone while you're awake, then just follow Nokia's advice and take it off the charger when the battery is full.