With respect, as already mentioned, there are no SLA's on residential connections. So you and VM are at an impasse.
So as much as yes, its a pain especially in your circumstances, there's still no obligation on VM's part. There are several different ways of improving the situation you are in, depending on your budget and needs.
A PAYG mobile phone with limited data is a cheap "emergency" device for an internet connection
A business connection has SLA's in place for restoration of service- but is expensive.
Running another supplier side by side with VM- eg a SKY ADSL connection gives you redundancy
Free Wifi is a thing. As well as VM's network of HUBS offering access, Maccy Dees, your local library, coffee shop etc etc are good places to connect in an emergency..
Not trying to be clever about it, just give you some practical options that may help going forward.
But a problem that I am paying for is not a hassle.
If you work a month and get paid for 3 weeks and 2 days. Then your told "Hay Ho little problem. But we will never reimburse you".
That is being blunt
Be as blunt as you want. Id agree. Personally I dont think VM's service credit system cuts it at all. But it is what it is and that's the position you are in, with little to no recourse. My post was simply to point that out and give you some options. As long as OFCOM are happy with VM's responses, little will change.
If you want some advice about pushing to terminate we can help. If you want help to troubleshoot your connection, we can help. But outside of that, you and I both are just venting and the status quo will continue.
I don't think you will find any Virgin Media staff member on here getting involved in discussions about Ofcom reporting statistics. Above their pay grade and potentially career limiting. Why do Virgin Media give such poor compensation for service problems? Short answer, because they can. Do Ofcom care enough to do anything about it? Short answer, no. The theory is that competition and market forces will look after customer interests.
Your circumstances appear to require a better level of service than the average user. Rather than wasting your energy in what will almost certainly be a futile attempt change Virgin Media, I think you would do better following Kippies advice and look for backup for your residential quality connection. Banging your head against the brick a usually results in nothing more than a headache.
If you want to continue your attempts to discuss regulatory issues with Virgin Media, I suspect the only possibility of getting a response is to write to the official complaint address.