no need to be rude!!
what others are TRYING to tell you is that if you did infact get over 13Meg + then you were DEFINITELY on a partial LLU provider, when you say "about a year ago something changed" well that change was probably adsl24 moving you to a TalkTalk wholesale product which was PARTIAL LLU NOT FULL LLU
on this service here you are only ever going to get 8meg with 6.5meg real world usage any time of the day (unless exchange is congested) where im afraid IP STREAM products really do fail, you would be better looking around for some other provider and lots can do Partial LLU which will more than double your speeds.
again no need to be rude just because you have found out you have made the wrong choice, you asked for help and info and that's what you received
good luck



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