Accessing Vmin Sites via FTP

Hello people,
I MUST be missing something very simple here…AGAIN.
Had exactly the same problem before - but took a re-install to fix as I recall.

ONLY data re this problem i could find…
Home directory
This field can be used to choose a custom home directory for a mailbox user. For example, you may want his home to be under the public_html directory, so that he can easily create web files. However, in most cases it should just be set the Automatic.

Yes. That is wot I want. I’ve tried:

  1. filling in "public_html" as above - no result - accesses root and allows no posting.
  2. Tried "Add a Website User" and "Add a User".
  3. Cannot find info on actual default options installed for this on adding new domain.
  4. Who/how is granted full access to alter/add web files by default? ("AUTOMATIC")
  5. Is public_html automatically created with a Vmin Server?

NB: Not a whinge! I’m also interested in helping Vmin dev here -
ANY help appreciated here as it is perhaps the most frustrating problem to date and has been repetitive over several re-installs. The auto setup of Vmin is a magic bit of code, but there is need for a non-techie User FAQ (more posted in GENERAL Qs - I’d like to help with them)