Most likely this is related to an ongoing bug with Living Settlements (there’ve been a lot of reports of this). The good news is that Funcom has acknowledged and, most recently has agreed that they will once again turn off Living Settlements on Official Servers (see here for the announcment) some point next week. I’d suggest holding off on replacements until the system is off, but then (in theory) you should be okay (at least for now…).