When your PHP Handler = FastCGI your accounts' file permissions are slightly different.
Some VPS / Dedicated servers are running an OS of CentOS and using WHM/cPanel to manage accounts.
Drupal 7 File Permissions script
View the Gist available on GitHub
How to use
Get the script into the account root (not the web root)
bash fix-drupal7-permissions.sh DRUPAL-DIRECTORY USER