Default [Q] Debrand Dead End: Nokia Product Support Tool V5

I've downloaded an unbranded stock UK ROM (i think) for a Nokia 1020 64Gb to replace the O2 rubbish.

It is file

RM875_3051.40000.1345.1003_RETAIL_eu_euro1_212_03_ 336753_prd_signed.ffu

It was automatically downloaded to C:\ProgramData\Nokia\Packages\Products\rm-875

I try to 'make' Product Support Tools for Store 5.0 find the download. It will not.

Regardless of which folder I place the download in (and alter the supposed location path) all the Recovery Tool sees is the software
already installed on the Nokia 1020 - filename. It defaults to this file.

RM875_059T1Z9_3051.40000.1345.1003_062.vpl

This is the nasty O2 branded crap already on the Nokia 1020 and all it wants to find.
Have I just downloaded another O2 branded rom ?

Dead end and out of ideas.

All answers on a postcard please to Muppet The Wonder Dog.

Do I have to remove something that makes it default to the installed
version of software ?

Thanks in anticipation.