O2 wont let the early upgraders (i.e. those coming from the 3GS) get the full refund promised. they will only let you switch to a different handset. If i stay loyal to apple this is what it means.. I have paid £249 to go from a 3GS 16GB with a year left on my contract, to a 3GS 16GB with 2 years left on my contract. That is so ridiculous, and I am not happy.