I very much doubt moving isp will help, I too am with a premium price isp (fast) and get exchange congestion issues at peak times, BT deny any problems of course though, but I know neighbours who are on lower priced isps and they get terrible speeds so basically you are stuck if BT wholesale are the only service provider on your exchange.
Your best option is to move to a LLU service with zen if LLU is available on your exchange. If not you are stumped like me and many others, its stinks I know, the USO should be set much higher to stop BT getting away with this nonsense... then we have ministers promising 25mbit to 90% in 2015 *sigh*



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