Mountain Lion FTP server read only issue

Can anyone help me figure out why my users have read only access via FTP.

1. I created networked users and groups

2. shared some folders

3. activated ftp on one of those shares

First issue was users could access that share via AFP but could not connect via FTP?

Finally I figured out that each user had to have a login shell of /bin/bash.

Aslo had to let each networled user to be bale to log in?

then if i log in with an ftp client it works i can write files but if i log in via finder (apple K) connect to server ftp://server.local i can only get read access and not RW?

I think this may have something to do with passive and active mode but can anyone help?

Why is it so hard to set up?

Thanks