When you say you've looked at Nokia, what do you mean? Have you hooked your phone up to the Nokia Software Updater (NSU) application and checked?
For the standard
N95 (
N95-1) the latest firmware is v20. If after trying the NSU your phone says v12 and that its the latest, then you need to change the product code of your phone to a generic
N95 code, not an operator specific code, and run the update again.
You'll find a guide on how to do this on these forums, in the tips section.