Can't load email templates

3 Email Problems began yesterday, across all of our users/systems:

1. The "to" field doesn't automatically populate with the customers' email addresses

2.We've recently lost the ability to use the drop down when sending an email to choose a template. No choices show, just says "none".

3. Also, getting a message when trying to send email:

Sorry, we are unable to process your request. Please try after some time. For any assistance, contact us at Zoho.