I have all my credentials but still can't login to my own FTP with Cyber duck and online chat is only available intermittently.
Online chat will only be available if there is an agent/consultant available.
Are you able to log into your FTP account using any other FTP client, and what is the error message you are getting on Cyberduck?
Be sure you are using "plain ftp" in your mail client settings. I also believe that SSL/TLS needs to be off and therefore using port 21 with a combination of good username/password credentials you should be able to connect.