I use tStringList, LoadFromFile and SaveToFile in my programs and I have no problems with accented characters.
Maybe you should rather examine what you do to create your file, and what you're doing with the strings after you load them from that file.
There could be a problem in the file encoding, or in the function that shows the information.
For example, if your file text is encoded as ANSI and you handle it as UTF8, you will get bad characters.