Hey there!
I'm not expert, but here are my suggestions:
1. to ftp into an ibay use:
username: ibay name
password: the ibay password
2. the maildir folders are (I believe??) where mail gets spooled to. your mail reader can then put it into folders if necessary. Your home dir? Is just your home dir... Your users each have one and can put files in there using windows file sharing and ftp'ing... pretty handy actually!
3. I'd saying use BulletProof FTP, FTP Voyager or FTP from the prompt. Using a broswer has never worked well for me, but you can try using:
ftp://username@ftp.address.comwhich should then prompt you for your password. (thats for IE, I have no idea about netscape...)
Best of luck!
Matt