Thanks for the reply.
I don't want the client to have root access. I can handle that sort of thing already. Also, the user need not upload to an HTML folder or similar.
My need is to allow a client to upload a set of files for a project. These are file far too large for email attachment. So, just a temporary "drop box" thing.
I thought that if I enabled FTP for an ibay, and also did so for the site, then a visitor would be able to upload a file.
Perhaps I am looking at this the wrong way.