ok i had the same problem but i got the cheat workin fine
u got the disc for action reply max evo were you can download saves to ur usb stick (you get with it)
download the latest cheat code list
thats saved on to the usb stick
then put it in the ps2 start action reply up
go into max memory
choose the usb stick
u must insteart it into the slot in ps2
then go onto the code list(should be at top)
the tick it
the click save to memory card/copy to memory card
then restart action reply cant remember how
then go on cheats then u got need for speed most wanted money code
i used it and it works fine i got some good cars with it