Again, just on the off chance.
Have or can you try 168.162.1.1
Thats my Netgear access (although as said before, a different model)
Actually come to think of it, I had the same problem when I changed to this Netgear WGR614 router, but sorry I don't know what I did to cure it, except as you have said "Factory re-sets" and making sure my Internet options were still set to "Normal" disabling PeerGuardian along with F........
Just remembered.
It was Windows Firewall that was blocking me.
Failing that, have you tried to access it in safe mode.