@legacy1 I don't dispute your conclusion that your area is subject to over-utilisation, nor that this is probably on the upstream. But you've been round here for a decade, easily long enough to have seen how over-utilisation is dealt with, and to know your options, which are essentially tolerate the poor connection or find a new ISP.
Here's the Cut Out & Keep Guide To Over-Utilisation:
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Phase 1: Over-sell beyond capacity
Phase 2: Deny the problem for as long as possible, but keep billing customers for a service that hasn't been compromised by over-selling
Phase 3: Refer to Networks if complaints keep coming
Phase 4: Networks team toss coin to decide if the problem passes the threshold to declare over utilisation, if no, return to Phase 2, otherwise proceed
Phase 5: Random fix date plucked out of somebody's fundament
Phase 6: Nothing is actually done at first fix date; At this and each subsequent fix date, Networks roll the official dice* ten times: If ten sixes occur, invest to fix problem, otherwise return to Phase 5 and issue new date
Phase 7: VM hope for a possible 1-2 year resolution from doing nothing other than restricting new sales, if sufficient customers churn out due to poor connection.
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* The Networks team are geeks, so the official VM Networks dice is a D20 from somebody's D&D box. As a result the chances of ten consecutive sixes and subsequent investment to fix the problem is even more remote than the tiny probability that you might first assume.