I recently had some problems after last patch about quests and XP that did not visually update. Also major lag at times and NPC not loading in some zones. I got killed by mobs I did not see etc. So I reloaded my UserSettings.txt under C:\Users\.............\Documents\Elder Scrolls Online\liveeu by just rename it to OldUserSettings.txt and restarted the game, and it fixed everything! If any of you guys out there are experience the same problems as me I strongly advice you to try the same.