I was told to do this. Go to Advanced > Show Develop Menu, then Develop > Avatar > Character Tests > Test Male or Test Female. And that really worked for me and its all fixed.
Same is happening to me, the last 2 days i have been a cloud, i tried 2 dif viwers and its not loading the avitar at all, i tried changing clothes and settings restarting and so on...nothing. So if anyone find out anything..