File Permissions & Ownership

Lately, I've been having some trouble with uploads to my SMF Forums. I believe it's the fault of SMF's scripts, but is one of their support group members correct in stating that the permissions on the files uploaded to my server should be owned by my Ubuntu user account?

Here's some more information:

He states:

Here is the bottom line. Its doesnt matter what script you used to get your servers running. The fact is you used a script, which means you did not set the server up. That is fine, but what I am telling you is this. Your ftp server should NOT own your files when they are uploaded. Your account should own the files. Period.

I think:

I'm not skilled enough to know the answer to this one... I just know that my PHP upload script works :\

Can you provide any clarification on this?