my activation letter from Pipex was the 20th June originally so presumably that is when my contract ends each year ? (payment is taken on 4th of the month ), how long before then do i ring Pipex for my MAC code ? hopefully with them not making it awkward for me !
That depends on what you think will happen with O2 discounts by June.
If you got your MAC now and sign up by the end of this month, you get a free month then ongoing at £7.34 or £12.23 per month. BUT -
If you sign up through Quidco instead, and are careful about clearing cookies as described there, then there is a £70 cashback as well as the free month at the moment, though of course that cannot be guaranteed until paid. There have been no reports that I know of it not being paid. (If it is your first Quidco transaction in a year then they take £5).
In your postion I would be tempted to just pay off the Pipex contract.