Creating a Locked user that has access to one dir

[ben at acustat.org]

I'm trying to create a user that can only rwx from one directory with chroot.

they are uploading files using winscp.
I want to completely lock them to /home/user/upload (no other dirs)

anyone have a quick list of steps?  been trying to edit sshd_config for just that user but keep running into permission issue for directory.  what should they be?

Thanks

Ben