I get this with error message
Oops, I meant this as a reply to an existing post; i guess the website got confused when I logged in..how odd.
Anyway, I thought the same thing - tried different SD cards. No joy. It is not the lens, as it happens without a lens too. I now believe it is a mechanical shutter problem, as it occurs primarly when doing panoramic shots, or low light shots (when the shutter has to be open for a longer period, and it never occurs when recording video.
have you tried a different SD card to see if it's the issue?