Your post is a little confusing. I assume you can login locally as "admin" because you can view settings and reboot, but can't login as "user". The Admin and User passwords are different. I never signed in as User and tried "user" as the password, but it failed. I then changed the User password and was successful signing in with the new PW. You need to use OBi Expert to change it and it is found here:
System Management -> Device Admin -> Under Web Server -> UserPassword
If you want to provision the OBi200 locally, signin locally as Admin.
Go to System Management -> Auto Provisioning
Under OBiTalk Provisioning
Method: Disabled
Now you can provision locally and won't have you changes overwritten, but won't be able to provision with OBiTalk.
Did you have any problems following the link I provided? If you didn't, then you can ignore SteveInWA's post.