Hey. I'm applying this year as an individual (2nd time applying, 1st time was in school, I'm now in 3rd yr of my degree) Not much seems different to me. If you apply through school, your referee can log in to UCAS and add their reference and they send it off for you.
As an individual, you can access the reference page, all you need to do is get your referee to type your reference as a Word document and email it to you or whatever. You can then just paste it in yourself. There is also a space for predicted grades, if applicable. You have to give all your referees details too, name, address etc. This is probably how UCAS verify that your reference is real and was actually written by the referee I guess. When its all complete, you send it off yourself, when you want!
HTH
