Ok turns out I made a subdomain for forums.example.com.
However first I ran the one-click installer it said it failed to install as I had put it in root, so then I told it to install under the subdomain folder.
However on the second install it put it into the root directory under a folder named "forums" and left another folder which belongs to the subdomain empty.
Its very strange, but that's ok for this forum, hosting another forum for another purpose so that can be the test install.
This would solve the FTP issue as there is nothing in there so no wonder I cannot see it haha, all working now!
Thanks DH <3