creating folder UserFiles

me too !!

You most likely need to get your ISP to allow you the permission to write to the root directory. The UserFiles folder is created using FCK when you upload a file or create a new directory(folder). If you cannot do that using the fck example pages for example, then you probably are not allowed too. From what I understand FCK first writes to a tmp directory and then to UserFiles. So it sounds like you are having permission problems. Don't get this confused with ftp. If you are logged into your account with ftp then you can create directories all day. But when fck tries to create UserFiles it will probably be in the apache group or some such special user. I am guessing that this user/permission is the problem.

If you can FTP to your hosting provider, you can often change permissions on the folder via FTP.

WARNING: Changing perms on a folder can allow it to be exposed to others who share your server. Sometimes, you don't have a choice though.

Brent