MrPhil, how do I check server mod_security settings? I don't know what that is. I'm using a webhost, on a shared server. From what I've read at my host website, mod_security is not a feature installed on most shared servers. No settings control for it in my cPanel. Are you talking about .htaccess file settings?
My directory perms are 755, most files are 644, a few are 666. Index.php is currently 644.
What do you mean by "own" the directories and files? I'm the webmaster, so I own all files.
Things have gotten worse. I logged out of my forum and now I can't login as Admin. I'm getting the same 403 Forbidden error. I can only login as a regular member.
Could this possibly have something to do with cPanel & forum admin password changes? I recently changed both passwords, but that was last week and I didn't have any problems or errors until yesterday.