Am I being ripped off by driving instructor?

After having over 70 drving lessons, numerous accounts with bad driving instructors, I managed to gain some confidence in giving it another go.

I have taken 7 lessons with this driving instructor, who was recommended by a friend. He is aware of number of lessons I've had etc. In these 7 lessons I have had, I have spent doing no manoeuvres and driving around the same route, instructor spend most of the lesson talking about his personal life, last lesson which really ticked me off, I was driving in the middle of a busy road he grabs the wheel and makes me look at a picture of his wife! He spends the lesson discussing how he won't rip me off the way other instructors have and tries to reassure me that he'll have me driving, yet at back of my mind I have inclines where this maybe leading.

Now I have had over 90 lessons, and tip it off he tells me I need to go back to basic where next lesson he will teach me how to steer & clutch control. I have been on very busy roads where my cluth control has been fine, there's nothing wrong with it.

In a previous 2 hour lesson that he recommended, he said we would do manoeuvres, we spent driving around, in that time he stopped at the test centre to have a chat inside with someone, other to go to the loo, same lesson we stopped where he had a chat with 2 different instructors on the road during my lesson, resulting to 20 mins, he gave me 15 mins back but I got nothing out of it. I told him about manoeuvews, he said I need to concentrate on my forward driving.

Now I am not the best of drivers but I can't feel but ripped off? He is patient and reassuring and makes all these promises but yet I am driving around whilst he's looking at his watch/mobile and texing away.

I am still with this instructor, I keep giving him the benefit of the doubt, am I being taken for a mug?

Please advise,
Neelam