I had the same problems and just switched to 64-bit exe version (Windows), and downloaded 64-bit blockchain from this thread (sticky at 1st page).
Then, I used the following:
1. Back-up wallet.* files
2. Delete wallet.bin (or as your file name for)
3. From command line prompt (after bitmonerod 64-bit started & synchronized on the downloaded 64-bit blockchain):
simplewallet --wallet-file wallet.bin
Voila!
32-bit wallet now works on 64-bit executables with 64-bit blockchain downloaded!
P.S. If some troubles like 'cant bypass block 95825' - you just restart bitmonerod & simplewallet