>>1. Does directory 'ashley' have 755 on it?
Yes, my user directory has 755 permissions on it (although in apache documentation it is OK to use 711)
>>2. Did user ashley create the 'public_html' folder?
Yes, I've the public_html folder with 755 permissions
>>3. in httpd.conf, userdir_module is loaded correct?
I've the following line in httpd.conf
LoadModule userdir_module modules/mod_userdir.so
Everything seems normal but I couldn't figure out why it is not working...