ive never been locked out but from what i read online people have said they recieved a message they are locked out, or didnt know they were locked out until they contacted sony customer service.
The only other things i have read was just to delete and re-enter all your psn ID info, then input your credit card info and that worked for some people, but when i search for this error its mainly posts from last year when a COD map pack came out and servers were overloaded and they got your exact same error message.
goodluck again man, thats gotta be frustrating!
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