Thanks for the help you can give. I followed your advice and using rapidshare have the .psd version of my troubled skin. Here's the link...
http://rapidshare.com/files/99121029/My_Indian_babe__skirt_alter_.psd
It might be a simple mis-editing the wrong layer but I was sure I was careful about that. You'll see, behind her arms, her hips are missing from both sides. If you need the tga after all I have saved it as such and it can be made available too. Anyway thanks again.