Edit: I'm thinking I need to be in the upgrade program for 12 months before i can upgrade? But there are others stating they are trading in their note 10+ which is less than 12 months old?
I think you need to make 11 or 12 payments on the upgrade program before you're eligible to get a new phone. The people 'trading in' their Note 10+ phones are using the Samsung trade in offer where they give cash off the price of an S20 when you send in your old phone. Last I checked, that was £450 for a Note 10+ (so not really worth it imo).