Puzzling... I suggest you do the following:
1) Install AMD Dual Core Optimizer from AMD site.
2) Download and install latest video drivers for XP from nVidia site. Make sure PhysX is updated as well in the process.
3) Go to nVidia Control Panel and set PhysX to be calculated on CPU, not your video card (it helped me in one place in Cryostasis where i got a PhysX error).
4) Run the game and temporarily set all options to low or off, then try to load the save.
If problem persists, uninstalling the game, deleting its folder and reinstalling it and 1.1 patch may also help.
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