Character won't load into NFP

[Sebastionleo]

I zoned into North Freeport on my necromancer to go to the bank, and I crashed while zoning. Whatever, happens occasionally, no big deal. Then finally I went to log back in, and it showed i needed to update spell files, then the next time it showed all empty char slots. Finally I got into char select with my real chars, go to log in to Necro again, and it just keeps trying to load, until it goes back to login screen. Restarted computer and tried it again, same thing. I've been playing off and on for over a year on this computer, without any problems until the last few days when I've randomly not seen any servers, been told I couldn't connect to server, or told I need to update my spell files. Does anybody have a clue what could cause this? Its really starting to ruin my time playing.