Smf And Server Settings Help? Forbidden 404 Error

[- danny]

I'm having problems with my SMF forum. I keep getting this error:

Forbidden
You don't have permission to access /forums/index.php on this server.

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request.

Here's what I've now done, I'm really tired, so bare with me...

ran a db check through sql, all was fine.
did the same through the smf admin panel; nothing found...

backed up db of current members and settings.
deleted all themes except default.
removed smf db.
remove forum folder.
recreated smf db.
added myself as user, with all priveledges.
recreated the forum folder.
uploaded smf.zip file.
extracted files into forum folder.
did a fresh instal.
placed forum in maintenance mode.
restored backup.
accessed forum, prompted to sign in.
denied my current user name.
went back to the previous user name; logged in.

Received messege: "The default theme's directory is wrong, please correct it by clicking this text. "

clicked on text and I get: "Forbidden - You don't have permission to access /forums/index.php on this server. Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request."

added my now previous user name to the db (with all priveledges) and checked all indexes in forum folder, all permissions set.
tried to click on the default theme's directory error and I still get the forbidden access error.

i get the same error when accessing the current theme's settings or trying to modify any permissions for members/guests.

Now...What did I miss? Did I screw up somewhere?

[[Unknown]]

Having problems with mod_security?

You may want to double check your paths and URLs with repair_settings.php.  What is repair_settings.php?

-[Unknown]

[- danny]

Dude, you're good. 

Thank you very much!! That, was driving me insane!