Unlocking iPhone on o2 problem?

I want to leave o2 and therefore need to unlock my iphone to change the provider. In order to do this my phone must have £15 credit on it so that o2 can charge me to unlock the iPhone. My problem is that if i upload £10, my o2 tariff (pay and go go go - 1000 texts, 500mb etc) will take away the credit. How do I solve this?

I unlocked my iPhone 5 at http://unlock-4.me/ a couple months back, never had a problem since mate!

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