ch.flag and V1R
when I was learning I was told to cut the power at around 100ft and suffered all the problems you seem to be having, even after passing I never really felt confident with landings.
Then I flew with a much older and more experienced instructor who showed me to keep some power on much longer and only remove it after the flare to allow the aircraft to finally sink onto the runway. This avoided the allarming effect of having to point the nose at the ground to maintain airspeed just at a time when all your reactions are telling you to pull up!
I realise you can only do as your instructor says but it may be worth bearing the above in mind.