I've reverted the mod list back to the last stable save, cleaned mods, BOSS'ed, and I could go anywhere and do anything without crashing.... now it won't load the last save, nor can I create a new character... anyone have any suggestions? I've even regenerated my Oblivion INI, all to no avail... the game starts up, just won't load or start a new game.....

Please help......

So it CTDs everytime you try to load or save? Is it the same with all your mods disabled?

Yes, for some reason, it will not load a save nor can I create a new game.... when I load a save from right after I get out of the sewers, it will load the save, render the scene, then CTD.... its got to be something global, it effects everything but I don't know what... I haven't changed drivers (Win7 64-bit) or anything I can think of....

If all else fails, try reinstalling Oblivion, then starting a new game.

Turns out it had (indirectly) something to do with OBSE and I had a file that shouldn't have been there...thank ya'll for your help though, it is appreciated...