Want to upgrade my phone and a quick google had RAYLO as a top hit. It offers you the ability to 'rent' a new phone for two years so that you pay less but return the handset and upgrade at the end of the period. It would be cheaper than me upgrading with O2 but I won't own my handset at the end (don't care). I've never heard of them. Has anyone used them? Are they legit/reputable?