Post a schematic of how things are connected. Using resistors just isn't going to work. The voltage they drop will depend on current. At low current, they won't drop enough voltage to limit the input to the voltage regulator. A zener diode would be better. It's a waste of power, but at least it will give you a more constant voltage drop.
A 35VRMS secondary will give you about 50V DC when rectified and filtered.
A 35VRMS secondary will give you about 50V DC when rectified and filtered.