"ftp/news programs/general download managers usual come with a scheduler. Why is it so dificult to use these? Thats all VM want and seems fair to me."
You're missing several points. 1, that costs more as you have to leave your modem and computer on all night. 2, the service is atrocious even if you're just surfing during peak hours anyway. 3, they shouldn't sell what they can't provide. 4, their throttling scheme doesn't work as advertised – it cuts in much sooner and lasts much longer than they claim. 5, other ISPs can charge less and still not throttle.
I'm an ex-customer, having been with them for years. Becoming the "ex-" was extremely difficult, involving threats and demands from Virgin, and a constant stream of junk mail from them since leaving, but it was completely worth it. I now pay half as much for a service that's theoretically twice as fast, but in real terms it's actually 4-5x. Anyone who's with Virgin: there really are much better ISPs out there. It's not going to get better. Don't put up with their service!