Re: High latency and packet loss in south Manchester.
Looks to me like a combination of over-utilisation, and a noisy connection. If it was "only" over-utilisation then your BQM would be spike free from about half past midnight to around 8 am. Whilst noise issues can (usually) be fixed, VM's record on fixing over-utilisation is very poor, and although there's probably a fault reference and a fix date, there's no way of knowing if they really plan to carry out works to address the issue.
If you're out of a fixed term contract you may want to investigate alternative ISP options. If you are in contract (and want to leave) then carry out a series of speed tests at peak times and see if you can get the evidence to invoke the minimum speed guarantee.
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