To overcome this, you can either run ncftp as root each time, or type the following command in the terminal:
sudo chown -R .ncftp [username]where [username] is the current user's login.
With the lack of any decent GUI FTP clients at current, I've found ncftp to be a perfectly useable and extremely powerful client with the addition of background processing.
[Editor's Note: I have had excellent results with Transmit, RBrowser and Interarchy, all GUI FTP clients.]

