Could be many things really
1 - distance your house is from the BT Telephone exchange
2 - congestion on the BT exchange i.e. too many users all connected to the same port at the telephone exchange
3 - viruses on your PC / laptop
try running this speed tester - http://www.thinkbroadband.com/speedtest.html
its better if you run speed tests at different times of the day e.g. morning day and evening then once you have several days data at hand then report it to your Internet Service provider
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