IUP ANNOUNCEMENT
I have just come off the phone with Apple and they've stated that we CAN upgrade without visiting a store.
1. Go to the online Apple store to purchase your new phone
2. DO NOT SELECT 'TRADE IN'
3. Run through the IUP options
You can now purchase your new phone through IUP, and upon the UK stores reopening, you will have to go in to return your old device.
HOWEVER
during the next 1-2 months (depending on lockdown extension etc), you will be paying for BOTH each month.
Upon the moment you return your old device to the Apple store, Barclays have confirmed that payments made for the old device will be reimbursed!
(Apple sending me confirmation of this as we speak)