Hmm, I haven't had any problem.
1. I go to the Create menu and choose "Create Instrument".
2. In the file browser I find the refill and navigate to a folder, like "Bass".
3. Inside the folder I see Combinator patches, like "Audio Punch.cmb".
4. I choose a patch, click OK, and it's in my rack.
Alternately I can create a new Combinator (Create > Utilities > Combinator) and load a patch as above by clicking the folder "Browse Patch" icon.
Do these steps not work on your machine? Are you trying a different method to load patches? I can understand the agony of paying for stuff you can't use right away and hope it's figured out soon.
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Edit: I read your post again and it seems like you're doing the right steps. Maybe the refill is corrupted and you should download it again from your account if possible.
Last edited by twink; 2013-01-24 at 02:41.