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The save problems stem from the 1.3 patch, it seems any save game created under 1.3 cause problems when loaded back, even under 1.3.1.
The best advice is to delete all saves made with 1.3 and either start again after installing 1.3.1 or use saves from 1.0/1.15 or 1.2 under the 1.3.1 update.
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