You can try to see what is happening with your user account by typing, as root:
You should have a gui window appearing. There you can verify the parameters of your user and group.
Another thing, have you looked at thze permission of the /home/ folder. You need to make sure that you have all the access necessary. To do so, type:
Since I don't have a Linux version here with me, I can't make a display of what you should see. Not matter, the permission of the folders are written in to one the first columns in a 3 digit number (755 or 500).
A little explanation for these numbers. The first digit is the permission for the owner of the file (user). The second digit is the permission for the group of the file. The last digit sets the permission for the rest of the world.
Now about the numbering system. You have three types of permission: read(4)/write(2)/execute(1). The numbers in paratheses are the attribute to the permission. It is best to represent it with examples. If you want to have read/write access to your files, you need to set the permission to at least 6 (4 for read + 2 for write access) as the first digit. If you want your group to have read acess only on this file, you need to set the permission to 4 as the second digit. If you want the rest of the world to be able to execute you file, you must set the permission to 1 in the last digit. Therefore, your file's permission would 641. At last, if you want to give no rights to the world (for example) you set a 0.
Now if you want to change permissions on files or folders, you need to type, as root or the owner of the file:
chmod 751 files_to_be_changed
which would give read/write/execute to the owner, read/execute to the group, and execute to the rest of the world.
All of this to tell you to make sure that the owner of the /home/ folder should have at least read/write access to the files in this folder.
I hope this helps you a little bit more.