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Please advise I need unlimited downloads

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I'm currently with BT for my landline - which I very rarely use - and my broadband. I need to pay BT for a phone line rental as there's no other option here, but I'm thinking of changing for phone service and internet.

BT are currently charging us for going over our download limit. I need to know which is the best one as my boyfriend and I are on the internet almost all of the time and often download. I need a service with unlimited downloads that don't charge if you go over a certain amount.

I'm also very annoyed with BT as I want to pay them by diret debit but I can't set this up till I'm not in arrears. I spend 3 months paying them back the arrears then the new quaterly bill comes in and I'm in arrears again!

And we have a BT homehub so I can connect to the internet wirelessly. Will this work if we switch providers? If not is there a service which will give us a new one or is there somewhere that I can get one cheap?

I'm sorry for all the questions but I don't know much about these things. My boyfriend usually handles things like this but he is very ill at the moment so it has fallen to me.
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