The FTP server address is members.vpchat.com. Sign in with your chat name and your chat password.
To setup subfolders in your web site, you will need to make use of FTP which provides a faster and more flexible interface.
FTP will work for most names. Some exceptions are the ones that have symbols at the start of the names, eg -. For these names, use the browser upload method available through your account.
Please note: Once you have uploaded using a FTP client, you will not be able to use the page uploading form found in the "Manage Home Pages" section of your account.