Obligations & restrictions of a chosen guarantor (for a Virgin media TV,phone & BB contract)

redwards363

Hi.
I have recently (& still within the 14 days) had to use a friend, who very kindly stepped in to go guarantor, for my new Virgin Media TV, phone & broadband contract.
Whilst I understood I couldn't get the online deal/offers, I was told by the sales team @VM, that I could get some discounts, by way of compensating for not receiving the online Topcashback. 
I had to be on the phone, whilst the VM sales person contacted my guarantor, quickly ran though their details, did credit check, then came back to me.
N.B. All the bank details taken were mine, direct debit set up & my new from my bankcontract in my name. 
The sales person, offered "the world" before deal was made. 1) they outright lied to me, on our first phone call; re: topcashback, telling me I could still get it, but I was informed later, that they could compensate this with removing installation fee & offering the Sky Movie or sports channels for free, I was happy with that. 
However, after putting phone down to my guarantor & getting back to me, the sales persons attitude changed, she said she had sealed the deal with my guarantor & so I wasn't able (& it was too late) to get the discounts, they themselves originally offered me???
Question 1:  Does my guarantor have the right to seal a deal or make decisions on a deal/service, that ultimately a) they won't be using & b) they were only required for a credit check?
Question 2: Do the Virgin Media sales team have the right to do the deal with the guarantor & not me, the service user?
  I really don't think that they do -
& neither does my guarantor  (but that's probably a moot point).

Please, if anyone has the answers or ANY advice, I'd be grateful before going ahead with a full on complain to Virgin Media. I have to be quick, within the 14 days & that stayed yesterday (10/03/2020)
Many thanks in advance, redwards363.

Farway

Maybe the Virgin sales pointed out to G'tor that they will have to stump up if you fail to pay for whatever reason and at this point the g'tor realised their commitment, therefore the G'tor could be paying the piper & thus can call the tune

On assumption you cannot get credit in your own name, hence need for G'tor, is to walking away is your only solution if you do not like the deal

redwards363 said:

Question 1:  Does my guarantor have the right to seal a deal or make decisions on a deal/service, that ultimately a) they won't be using & b) they were only required for a credit check?

Ah but it was not just for credit check was it? They stand to paying it all if you fail to

JJ_Egan

Both should walk away .

Guarantor often do not realize that they may be responsible for the debt in full .

cajef

redwards363 said:

 they were only required for a credit check?

I don't know where you got that idea from, I suggest you find out a little bit more what being a guarantor means, it was not a credit check they have already done that and decided you are not very credit worthy which is why they want some mug to agree to pay the debt if you default, your guarantor has now agreed to carry on paying if you cease or start missing payments.

mwarby

You could try calling virgin media and saying you want the deal promised or you'll cancel. They'd need to be convinced that you will actually cancel, you'd need to consider what happens if they cancel it, would your gaurntor step in for a second attempt ?

iniltous

No expert here, but wouldn’t the guarantors also have to provide banking details , in case the OP didn’t or couldn’t pay , (so payment could be taken immediately from the guarantor rather than chasing them after the event  ? )
Also I would have thought the guarantor would need to know what the monthly fee was going to be before agreeing, and that could be difficult to know for sure, because a standard monthly fee may be known, but with the availability of Pay Per View TV and services via premium rate phone numbers, there could always be a chance the bill could be much more .