I can confirm that if you bought a pay&go phone you wil only be able to unlock it when your 12 months are up.
My pay&go 3g does not come to the end of it's 12 months until 15 December. I never use my pay&go sim as I use my work O2 sim, so I thought I would giv the website a try.
This is what I got back:
Good evening Peter
Thanks for emailing us about unlocking your iPhone.
Peter, I'm sorry but the iPhone can't be unblocked from our network. If you attempt to unlock your iPhone and use it on another network, it may become permanently unusable. This is because making unauthorised modifications to the software on your iPhone violates the iPhone software license agreement.
I hope I have explained this clearly and have a nice day.
If you need further information about this matter, please reply to this email. For further details about O2, please visit our online Help Centre at:
http://www.o2.co.uk/help
Kind regards
Runa
O2 Customer Service
Telefónica O2 UK Limited, Registered in England No 1743099. Registered Office: 260 Bath Road, Slough, Berkshire SL1 4DX.
I'm goign to ring their customer services to confirm when I can unlock it.
***Edit***
So spoke to customer services, and I can unlock after the 15 December, which is when my 12 months are up. So anyone that has a pay&go no matter what sim they use will have to wait the full 12 months to unlock their iphone.