I had a bunch of problems getting MiniLogin to work properly myself. I had some success with solo play, but when I wanted to enable private WAN play I couldn't get it going and had to abandon MiniLogin entirely.
I also found it helpful to create 3 MiniLogin accounts: One for 127.0.0.1, one for my LAN IP (192.168.x.x), and one for my public IP. MiniLogin doesn't actually care what you enter in the account name box, it strictly checks the incoming connection's IP address. By creating the 3 accounts I was able to narrow down which address actually worked.
In the end, what worked for me for solo play was setting my eqhost.txt, and server config XML file match up in all IP-related fields. i.e. <LoginServer>, <address> and eqhost.txt all contained the exact same info. I never got WAN play to work, or even LAN play.