Trisha - 11:20 pm on Nov 12, 2012 (gmt 0)
I just uploaded my disavow file on Saturday, so not enough time yet. But I'll definitely let everyone know what happens.
In my case it all links from just one domain, I didn't ask the person to take down the links because I know him well enough to know he wouldn't be cooperative (probably would retaliate). I left long comments in the file, explained the whole thing. No reinclusion request submitted.
I started a thread that goes into more detail, if it gets approved you can read more there.