***After Stats are changed must start a new game. Also backup folder.****Characters Skill points can't go over 10 or game won't start.
1)open POC game folder. Which would be found under Bethesda Softworks.
2)After POC folder is open. Open the folder named Program.
3)Next open the folder named Characters.
4)After that open the file Named characters_init.
5)Once that open scroll down until you see
makeref(ch,Characters[0]); //Blaze Devlin
//ch.perks.list.InstantBoarding = true;
ch.name = "Bob";
ch.lastname = "JR";
ch.id = "Blaze";
ch.nation = ENGLAND;
ch.model = "blaze";
ch.activity_begin = "0";
ch.activity_end = "24";
ch.sex = "man";
ch.luck = 8;
/*ch.spyglass.itemID = COMMON_SPYGLASS;
ch.gun.itemID = GUN_COMMON;
ch.gun = "gun";
ch.blade = "saber";
ch.blade.itemID = BLADE_SABER;
ch.blade.time = 0.1;
ch.blade.colorstart = argb(128, 22, 46, 190);
ch.blade.colorend = argb(0, 20, 60, 100);*/
ch.location = "";
ch.location.group = "";
ch.location.locator = "";
ch.Dialog.Filename = "blaze_dialog.c";
ch.rank = 8;
ch.reputation = "70";
ch.experience = 0;//CalculateExperienceFromRank(sti(ch.rank));
ch.skill.Leadership = "10";
ch.skill.Fencing = "10";
ch.skill.Sailing = "8";
ch.skill.Accuracy = "8";
ch.skill.Cannons = "8";
ch.skill.Grappling = "8";
ch.skill.Repair = "9";
ch.skill.Defence = "8";
ch.skill.Commerce = "8";
ch.skill.Sneak = "8";
ch.skill.freeskill = 2;
ch.perks.freepoints = 35;
ch.money = "100000000";
ch.Ship.Name = "Victory";
//ch.Ship.Type = SHIP_FRIGATE_ENGLAND;
//ch.Ship.Type = SHIP_CORVETTE_ENGLAND;
ch.Ship.Type = SHIP_LUGGER_ENGLAND;
//ch.Ship.Type = SHIP_MANOWAR2_FRANCE;
ch.Ship.Stopped = true;
//ch.Ship.Cannons.Type = CANNON_TYPE_TEST;
ch.FaceId = 31;
ch.ShipSlot1.Type=SHIP_NOTUSED;
ch.ShipSlot1.Name="NoName";
ch.ShipSlot2.Type=SHIP_NOTUSED;
ch.ShipSlot2.Name="NoName";
ch.ShipSlot3.Type=SHIP_NOTUSED;
ch.ShipSlot3.Name="NoName";
As you can see i changed Nathaniel Hawk name to Bob JR you can also change many other things. I've only changed the skill points, name and the starting money amount. So I have not tested the rest.