permissions issues on created dirs/files

i am using ipowerweb linux hosting.
here is my system requirements check:
http://downforcemotoring.com/cgi-bin/mt/mt-check.cgi

i believe for a client in the past ive ran MT on the same hosting package no problem.

this time, however, MT is installed and running great, does its job fine.... it publishes files. HOWEVER, when MT publishes a new directory, the new directory will have permissions that prevent them from being viewable on the web. if i create a new entry that is mapped such as mysite.com/test_post/index.php, movable type will create the test_post directory, and it will have permissions of 777, and the index.php file therein will have permissions of 666. these both seem like strange defaults to me. the published URL will then not be visible online because i believe the server has a security rule in place to not load 777 directories. you will get a server error page, like this:
http://downforcemotoring.com/blog/test_blog/

from the beginning of this, instinct has told me that this is a server misconfiguration that doesnt have to do with movabletype. my best guess is that the user which executes cgi scripts belongs to a group that is set to write files with the stated permissions above, but i cant get the ipower support to even understand what i am trying to say above, they just go "yep, your permissions were set incorrectly, we have fixed it for you by setting it to 755" and then say they dont support third party stuff. same answer like four times.

im wondering if anyone else has had this issue and any further troubleshooting suggestions?