"the only problem with chay is the massive amounts of pop-ups with viruses and scripts embedded in them"
What, are you still using IE 6? Welcome to the 21st century dude. FF blocks all pop ups. And along with Noscript and Adblock Plus, no ads or pop ups at all. All that you need to do is approve "chayfile dot com' JS with Noscript and you're set. Again, the problem with Chay is the throttled speed for free users. Slower than Uploaded... Sounds as if you don't browse very safely if you're still getting pop-ups. And if you're getting viruses, you're obviously not un-checking boxes or clicking on the wrong links. You've got to be smarter than the web page you know...
And Mega is highly overrated. Zippy is much better and unlike Mega, works for everyone.