Cal -
You must have a shitty bank that you are setup with, our charge backs run the course just like he said, we get both an email and a letter stating that there has been a claim filed, we then have like 7 days to respond with proof of the charge, or the refund becomes permanent. And we have always had good luck when we send them logs and the sign up results along with a copy of the front page of the site that they signed up to as proof, of course we show all the IP's and it normally points to a local ISP so that has always helped since the ISP has always been in the same town as the asshole trying to BC :D
Tim
