It's a toss up between Sahara who I worked for and needs no explaining and Esquire. So since Esquire is still around I'll pick them. Long story short they refunded a credit with a cheque and when I queried their policy with regards to applicable laws their answer was: "Well by the time the law steps in your cheque would have clear so deal with it". I love telling everybody that story whenever their name gets mentioned.
There isn't really one winner for this type of question as the majority of companies just provide an overall, crap, overpriced and all round generally poor experience.
<insert name of ISP>