Can't help with the VM Hub 4 issue, other than to say that you should list the Hub 4's under eBay categories for "room heaters" or "smart doorstops". VM won't activate them as hubs on another account unless they've been returned to the company And under the T&Cs that VM will say you agreed to, they can pursue you for the costs of non-returned equipment.
From a credit check point of view, getting a family member to apply for credit after you've been refused is going to flag up on the systems: Failed credit check at that address, your surname. New application, same address, same surname.....what would any credit controller (or credit control algorithm) conclude?
If you don't have any idea why VM declared the credit check as failed, I'd suggest that you do some digging on your credit history file, and make sure that everything on it is accurate. Also, the credit check VM claim to have done will be recorded, and if there's too many credit checks that itself harms your creditworthiness in the eyes of lenders (who include broadband, mobiles, energy, water, credit cards, car finance etc etc).
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