Situation :
Save a game in combat. Be on a character's second action bar while saving. Have used a skill from that bar, so it is on cooldown.
Load the game.
The skill WON'T show cooldown.
It will not possible to use the skill, because the game knows it is on CD, but it is NOT shown on screen!
I don't know if that is the case on other action bars, just found out it is on the second actionbar of my ranger. The skill was "cure wounds" from man-at-arms perk, if that is any useful insight.