I had the same issue after moving my personal profile from D: drive (harddisk) to C: drive (ssd).
No load or save possible.
I had to create a special account to play PoE with the profile on the harddisk again:
This is how you do it:
http://www.sevenforums.com/tutorials/87555-user-profile-change-default-location.html
Solved all save / load issues.
Looks like there is a timing issue in the routines to find the savegame folder.