Is this right?

Also bear in mind that you're line is more than likely on a 50:1 contention ratio. So even if your IP profile is on 7Meg other traffic from other users can reduce your throughput
 
Also bear in mind that if your speeds arent maxing out its bcz the BT speed test site is always slow, also the exchange your connected to could be congested which wouldn't be ISP related.
 
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