Lessons are the best thing :)
People often start thinking about collection and English riding and confuse headset with collection. What happens is that when taught properly, the horse sets his head at the right place due to the way the rest of his body is conditioned and worked and the way he's ridden. That's why it's one of those things you really can't teach over the Internet :) in a very eye simplified explanation, when he gets his butt under himself and lifts his back, his body gets round and the head comes down.
It sounds like your horse is going with its head way down, which could be because the reins are too long or it could be another problem altogether.
Good luck!
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