I had a similar problem. Turns out it was the "cloth resistance".  Here is the thread I made that helped me

http://market.renderosity.com/mod/forumpro/showthread.php?thread_id=2444425

And here is a thread of bookmarked links for tutorials, discussions and tips in regards to the cloth room

http://market.renderosity.com/mod/forumpro/showthread.php?thread_id=2739159

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi