you must start a new game and dont use the win xp editor that changes your rank or points use the other 1 infact download this 1 and make sure your make a new game dont buy a car then load the patch on the new saved game works fine.
i have the uk version
saved game patch
V 2.1.5 ENGLISH no cd
V 1.2.5 update
if you have a european game please email me the EXE and i will try to take out the cd protection for you.