Tom, at least one of your problems is Internet related with your ISP.
The problem here could also be Internet related but there is no data provided to indicate what the actual problem is yet.
Skins and loadouts being defaulted simply means the game cannot save its configuration files, meaning they are probably marked read-only. The result of some security program (anti-virus, anti-bot, anti something) preventing the game from saving its files.
Unfortunately, once a program creates a mess like this for the game, it is usually best to completely remove the game folders and re-install the game. BUT, if you do not shut down the program causing this, then it will happen again and again.