see here - look at threads from the last 3 months for all my experiences with voip.
www.cableforum.co.uk/board/forumdisplay.php?f=65
I'm on sipgate - I wanted justdial but they dont do online billing yet.
which means you could end up getting loads of calls you dont recognise/a shock at the end of the month! they email you your bill which I think is antiquated.
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the forum here might be of help:
http://www.voipuser.org
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there's also another site called voxilla which has a forum re voip.