Please read documentation for possible reasons for getting denied to access.

ive been having some trouble setting up winscpto connect to my gentoo linux server . Ive removed the user/connection and reinstalled it.

connections as root are OK with putty - i cant connect with user apache.

the log from the client running winscp

Looking up host "62.xx.xx.xx"
. Connecting to 62.xx.xx.xx port 22
. Server version: SSH-1.99-OpenSSH_3.9p1
. We claim version: SSH-2.0-WinSCP-release-3.7.1
. Using SSH protocol version 2
. Doing Diffie-Hellman group exchange
. Doing Diffie-Hellman key exchange
. Host key fingerprint is:
. ssh-rsa 1024 e8:8e:ee:c3:a6:9e:6f:a8:57:42:5a:14:c2:f3:91:7d
. Initialised AES-256 client->server encryption
. Initialised AES-256 server->client encryption
. Initialised HMAC-SHA1 client->server MAC algorithm
. Initialised HMAC-SHA1 server->client MAC algorithm
! Using username "apache".
. Password prompt from server (Password: )
. Responding with stored password.
! Access denied
. Access denied
. Session password prompt (apache@62.xx.xx.xx's password: )
. Using stored password.
. Sent password
! Access denied
. Access denied
. Keyboard-interactive authentication refused
. Session password prompt (apache@62.xx.xx.xx's password: )
. Asking user for password.
. Sent password
! Access denied
. Access denied
. Received disconnect message (SSH_DISCONNECT_PROTOCOL_ERROR)
. Disconnection message text: Too many authentication failures for apache
. Server sent disconnect message
. type 2 (SSH_DISCONNECT_PROTOCOL_ERROR):
. "Too many authentication failures for apache"
* (ESshFatal) Authentication failed.
* Authentication log (see session log for details):
* Using username "apache".
* Access denied
* Access denied
* Access denied
*
* Server sent disconnect message
* type 2 (SSH_DISCONNECT_PROTOCOL_ERROR):
* "Too many authentication failures for apache"

----------------------------------
from the SSH server
-----------------------------------
Feb 8 13:44:46 NTGHICU1 sshd[25424]: WARNING: /etc/ssh/moduli does not exist, using fixed modulus
Feb 8 13:44:49 NTGHICU1 sshd[25424]: error: PAM: Authentication failure for apache from 10.138.8.77
Feb 8 13:44:52 NTGHICU1 sshd[25424]: Failed password for apache from 10.138.8.77 port 2719 ssh2
Feb 8 13:44:52 NTGHICU1 sshd(pam_unix)[25430]: auth could not identify password for [apache]
Feb 8 13:44:54 NTGHICU1 sshd[25424]: error: PAM: Authentication failure for apache from 10.138.8.77
Feb 8 13:44:54 NTGHICU1 sshd[25424]: Failed password for apache from 10.138.8.77 port 2719 ssh2
Feb 8 13:45:04 NTGHICU1 sshd[25424]: Failed password for apache from 10.138.8.77 port 2719 ssh2
Feb 8 13:45:04 NTGHICU1 sshd(pam_unix)[25431]: auth could not identify password for [apache]
Feb 8 13:45:07 NTGHICU1 sshd[25424]: error: PAM: Authentication failure for apache from 10.138.8.77
Feb 8 13:45:07 NTGHICU1 sshd[25424]: Failed password for apache from 10.138.8.77 port 2719 ssh2

ive got the names etc sorted now - so how can i fix it to let me log in ?

I suspect its not strictly relevant but its a linux box added to a winNT NW - ihavent got all the name/login stuff fully sorted yet