I don't know how to fix this and it isn't as odd as you think, it happened to everyone, even people with OFW.
It's just that for some strange reason sony forgot to lock up the games to work only on the firmware they were bundled with, like when you needed to update to play certain game as the umd came with that firmware.
So, a lot of people didn't update and played these games, and then when they updated the savegames wouldn't work as they were from previous firmware to the one they were supposed to be played with
long story short, your savegames are fckd up because sony forgot to lock up the games with their respective updates, and I believe there is no way to fix them
I had to go back to 3.71 myself twice so I could finish some games
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