Download error 451 Login failed?

[Socio]

I get this download error when trying to download files on ftp:

451 Login failed, can't set startup dir to your home directory: Permission denied.

What am I doing wrong? I know I have the right user name and password.

[golfcart]

Are you using an ftp client or just a browser?

[Socio]

I am using CuteFTP Pro