This ruling by the OFT had been taken by many customers to extend to their personal bank accounts and subsequently the UK small claims court system was flooded with cases of customers reclaiming these ‘illegal’ penalties. It was reported that nearly 1.8 million template letters to take the banks to court had been downloaded from the website MoneySavingExpert.com. In October 2009 the Supreme Court overturned previous rulings that allowed the OFT to investigate overdraft charges, bringing to an end such claims. Although initially the OFT said it would look at other ways to pursue the matter, in November that year it decided not to continue with further action.