I think you're "ruthed"....You'll most likely need to do a character test. To do this, hit ctrl-alt-D to get the advanced menu at the top of your screen. If you're on viewer 2 go inside the Advanced menu then open the Develop Menu (bottom of the dropdown) then to Avatar > Character Test > test (male/female) This will complete the clothing download.
If you're on on of the other viewers, go to Advanced > Character > Character Test > Test (Male/Female)
Once you have done this and can change clothing, you'll be able to rebuild your avatar.