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ADSL and cable work differently. Routers that have an inbuilt ADSL modem will not normally work correctly for networking with cable.
A standard broadband router will work - the Linksys WRT54G series are often liked on here. Sell the netgear on ebay
Payment to VM by direct debit is the best way. Any other method can get you charged a non direct debit fee - I think that's currently £5.00 per month
