As for Alpha-T they won't be getting my money until they have proper card processor setup. AFAIK they aren't taking any orders until it is done. With proper card processor we have legal protection in the UK - namely Chargebacks
LTC and most scrypt coins are dropping in value, that's why the results are getting worse.
These multicoin pools that pay out in BTC will eventually kill all altcoins because they are constantly dumping.
My card processor here in The Netherlands also has Chargebacks, but it seems that it will take months to get your money back.