I added the debug = true code and it didn’t show any changes other than the original error shown in the screenshot.
to show the error, an item needs to be in the basket and then go to checkout (shows the error shown in the original screenshot)
on another note, when installing WooCommerce from the Pro/Overview page in wp-admin, it installs 3.2.6 rather than the ‘approved’ 3.1.1
Oh, and I logged in to the ftp using the exact details provided, so I have no idea why that didn’t work for you