This is what I would do to get the Lumia 1020 from O2:
1, Go via Quidco (?50 cash back at the moment)
2. Select the 3G tariff (600mins, unlimited texts, 750mb data) at ?12.00 a month
3. Pay ?99 up front for the phone, leaving ?20 a month over 24 months
4. When you receive the phone fill this...