Oblivion for me. Way, way, way to many load times that ruined the game for me and all of the characters in the game were so stiff they looked kinda weird to me. The only part of that game that i really enjoyed were the Dark Brotherhood quests.

the cut scene in RE4 with the knife fight between Leo and Krauser(spelling?). one of the coolest gaming moments ever for me

I had this exact same problem when I played it awhile back.  Pretty frusterating but I never found out how to fix it...sorry just thought I'd let you know you aren't alone.