utc file problem

I took and made all the other companions into humans with new head morphs since I wanted my party to be all human from various types of mages, warriors, and rogues.

When I save the utc file and load a save point the character appears without its armor or clothing.

Does anyone know how to fix this?
Its weird to start a new campaign, then to come accross a character without any armor or clothing.

What is the correct directory for the utc files, because right now they are in packages\\core\\override
they default to there... I can't figure out why it is doing this

When I look at the model in tools its fully equipped
In the game though it has zero items