and move it to your Desktop or some other location out of the ~/Documents folder. If the above doesn't work, please take this entire folder.
Finally, attempt to get into the in-game LOTRO store. Be sure the EXTERNAL STORE option is not checked. Launch the 64-bit client and log into one of your characters. I am not experiencing this problem and your report is the first I've heard of it. I literally have no way to spend the lotro points I purchased. Now I can't use either client to get to the store. So I would swap out my configs and login with the 32bit client. I used to be able to use the Lotro store with the 64bit client.