Correcting six years' worth of downloaded financial data is crazy-making

I use Quicken 2006, and have used Quicken since 1993 and think I know the program. I cannot fix the following issue despite hours of trying. I set up the Renaming Rules for most of my Payees. I have all the right boxes checked in Preferences. Quicken is directed to atomatically use RRules when downloading transactions, and to make up RRules on the fly. Things went smoothly at first, so I know my copy of Quicken 2006 can do this, plus Quicken staff have twice emailed me a link to a new Q2006 program and I have reinstalled several times. The Support persons always have a different solution (delete and re-enter your Renaming Rules! "I know - you are using a MAC!!!" (No, one computer is an HP PC with Vista, the other is a laptop with Windows XP.), etc. for TWO YEARS.

When I download my data to Quicken, first: it goes directly into the Register and not into the holding area where I can check Transactions before Accepting them. Second: My data from, for example, my bank downloads into the Register using one Payee name for every transaction. I download, say, a month's worth of transactions and the same Payee name is used in each transaction; MBNA, Terasen (Gas) or whatever - there is a different Payee selected for the mass transactions every time I download. In the Memo box there is a lengthy entry which in addition to random numbers and letters does include a reference to the correct Payee, so I can go through the Register and correct the Payee information. I also have to enter the Category information because it doesn't download. Categories work with QuickFill. I have set up the RRules so that they are supposedly used whether the correct Payee reference is in the Payee or in the Memo box. I have tried RRules which select only Payee or only Memo for different names. I have deleted and re-entered a sample group in my RRules.

This problem occurs on both of my computers, and it occurs when I download from different institutions, e.g., my bank and Visa, so it's not the financial institution. Please do not suggest any solution which is referred to in Help or standard "Quicken how-to" books.