Go to the configuration file of your crack (often skidrow.ini or a .ini file inside the game folder) and set the Username to SKIDROW (exactly as spelled). After making the change, restart the game and try loading the save again.
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If your copy uses the historical or Reloaded binaries, your save files ( .sav format) are stored in your main Windows user directory: C:\Users\ \AppData\Local\Storage\SKIDROW\54 C:\Users\ \AppData\Local\Storage\RELOADED\54 Go to the configuration file of your crack (often skidrow