I need some assistance with the following, it's driving me nuts

I'm missing something very obvious, or something is up with mame.
I normally use individual game.ini files. But just wanted to reverse that and only use specific game.ini's for special cases and use mame.ini for the majority. BUT, mame.ini is completely being ignored. So for example I set "-writeconfig 0" in mame.ini, but whatever I do when i run "mame pulstar -v" it will create an ini for pulstar! Argh. As a matter of fact, it's ignoring all of my mame.ini settings: if there's not a specific game.ini avalaible it will still ignore mame.ini and create a new game.ini with ddraw set and other stuff. What is happening? path is just set as "ini" and mame.ini is in the folder where mame.exe is.
Any help appreciated.