Anytime you have a handgun that doesn't seem to be shooting to your point of aim, try resting the front part of the frame on sand bags and then squeeze a few rounds off and see how the point of impact looks. This will allow you to see if your accuracy problem is gun related, user related, or possibly ammo related. You usually won't see much difference in point of impact with different ammo until you start getting out beyond 7-10 yards.
Shooting low and left is usually mostly user related and not ammo or gun related. Like I said usually, but the sand bag test will tell the tale of the tape.