ISP: Kingston Communications/Karoo
Country: UK/England
Times: Usually lags at peak hours 6pm upwards for me in the big cities, NPCs and sometimes walls/floors take a while to load. Was doing that at weekend and monday night (during EA period) anyway but I havent had time to play since then.

NOTE: My ISP is a regional smaller company servicing Hull and parts of East Yorkshire, BT or other companies arent really an option in my city - if that helps.