The reason I like the http1 v http6 test from TBB is that it shows up issues often not seen in other speedtests and yes youre correct thats what is used to moan at Plusnet when they had the 'gateway issues' whatever they were.
It usually implies some form of congestion rather than rate limiting, QoS or Traffic Shaping.
However it can also infer an RWIN problem, but if it was RWIN then from what Ive seen both on mine and others is usually around the 30Mbps mark and it doesnt explain why all was ok a couple of months ago unless youve reinstalled the OS or a different PC.
It wont show on b*cats because his line rate isn't high enough - same as with on PN it was only those with the higher speeds that noticed it and adsl2+ was unaffected.
I'd try testing at different times of the day - weekends and evening arent always the best time as thats when congestion is usually most active. It may also be worthwhile grabbing a copy of Netmeter and seeing what speed it records when downloading some of the test files from TBB.