TalkTalk Essentials is unlimited downloads (there is an FUP in there somewhere but no one on the TT forums has ever seen it applied) - you would get a warning first anyway. P2P is about the only thing that is restricted (during peak hours). The unlimited is a permanent thing - not just the 12 months of your initial contract.
The 12 month bit in your agreement will be referring to the 12 months half price offer - that will go up to full price unless you phone their retentions department near the contract end date and negotiate yourself a new contract.
But all the information is on their web site - just check for the basic Essentials deal, then look at the "boosts" (those are the add on's, like anytime calls).
By giving your bank account details you will have provided sufficient information for them to set up a Direct Debit. And as Direct Debits are variable amount on variable dates you have given sufficient info for them to "withdraw" money from your account - so check your bank details and make sure it is TalkTalk that have set up a DD.
Edited by HTTP404 (Wed 17-Apr-13 21:28:39)