Have you followed the instructions here?
https://plus.google.com/114026958962963607617/posts/6HJuBwKvDojStart by backing up your wallet.dat and pennies.conf file.
Which version of the wallet are you using? Try to re-download the wallet. Once downloaded, delete everything in the "C:\Users\YOUR USERNAME\AppData\Roaming\Pennies" folder and put the backed up wallet.dat and pennies.conf file into it, now load the piggybank. Give it time (be patient) and see if it works now (if you follow the instructions in the link, you'll be able to check whether your wallet is actually frozen or just busy loading).
Thank you for the link.
I think I may have been on a fork but now have added the conf file and blocks are counting down.
I will have to wait a long time for blocks to hit zero and see if the wallet syncs and if all my CENTs appear in the wallet. I will update accordingly.
Thanks