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Could someone please tell me what the price difference is between 384 and 4mbit?
Just the line rental part.

If I upgrade tomorrow, will I have to pay for the 1Gb of 384 I've already used, or will they just deduct it from my new 5Gb cap?
Looks like you are still on 384 - have you rebooted your ADSL router? It might need to re-sync. Then when you login to the router, check what the sync speed is.