Hi, I would just take the broadband only package L @ £21 p/m
For your Phone system I would use Vonage @ £5.99 inc anytime uk calls. This is what I do and I couldn't be happier. I personally use 50meg.
I you are thinking of trying Vonage let me know your email for a refer a friend, both of us get 2 month free, also sign up via topcashback for £35.
The reason i use vonage is cost £5.99 for calls and lods of free features like caller id and no line rental, connects via your broadband connection.
It also has a 30day money back guarantee.
Virgin media is £12.99 line rental, £8 anytime calls, and £2 caller id.
Total £23 p/m VS £5.99
This works out £21 broadband £5.99 phone , total £26.99
If you work out virgin media price £13.50 broadband, phone line rental £12.99, anytinme calls £8, calller id £2. total £36.49.
This saves you £120 a year!