Problem uploading/accessing files using html form...

I have a html form on a php script where users can upload images and images
get uploaded like this:

-rw------- 1 apache apache 67749 Jun 26 03:42 snooky9894.jpg

The problem is these:

1. If user want to re-upload the file, he can't
2. If I want to FTP into the server and download it I can't
3. I can't FTP in and change permission on the file (have to SSH in as root
to do it)


Another html/php form where files looks like this:

-rw-r--r-- 1 apache apache 1906498 Jun 29 02:13 1998.exe

Here I can FTP in and download and backup files users upload...
The problem is if I need to delete 1998.exe and then FTP up a new copy.
When I FTP in I do it as user "monkey" and the file will be owned by
"monkey"
and if the original iser try to upload a new copy he can't since it will
be uploaded from the form as apache ...

So, my question is and what I want is:

If a user upload a file on the server OR a php script create a file,
it should always be owned by "monkey" something like:

-rw-r--r-- 1 monkey monkey 1906498 Jun 29 02:13 1998.exe

Or is there any other solution on this so all files created by scripts is
owned by "monkey" ??
.... or what to do? and how to do it ?

/Stefan