if u were to take out a contract thru CPW, and it was to decline, u cud still have it, but it just means u have to take their insurance out, and they guarantee orange the payments, but to be honest with u, u'll always get a better deal direct thru orange, u can get tariffs cheaper direct thru them. if u were to go thru CPW and there was a problem with the tariff u were placed on, any 'free' gift, cash back or faulty handsets etc u wud b referred back to CPW and not to orange. Just put in ur disconnection request through virgin, then ring orange to see if u pass, and if u dont, u can always cancel ur disconnection request.. x