To get this insert working, you need to surround Character fields in your VALUES clause with single quotes, not double quotes. ORACLE thinks that character fields surrounded by double quotes are identifiers (column names), and of course, NULL identifiers are not allowed (see ..."","",0... at the end of your VALUES clause)

This does not explain why your SQLLDR is not working, but I also assume that is not the error that SQLLDR was producing.