At least start a new game and save/load to try to narrow down if it is a problem in your current saves or something with the game itself.
You didn't backup your saved games to CD-R did you, and copy them back so the files are marked as read-only on the hard drive?
Try deleting the files in the dynamics folders;
'..\Beyond Divinity\Acts\Act1\Dynamic', '..\Beyond Divinity\Acts\Act2\Dynamic', etc.
These folders are used as a cache for the game. Files are created / copied there from the save game folder when you load, and written / copied to those folders when you save a game. The files will be re-created as required the next time you start Beyond Divinity. If there was a corrupt file in those folders, deleting the files should fix the problem.
