a have a user1 and group1, user1 is a member of this group, group1 has access to a repo1
when I have remote configured like this on my client (this is how scm suggests it in git clone snipet): http://user1@scm/git/repo1
user cannot access repo,
when I change remote to http://scm/git/repo1
user can access it.
I think it should not matter where I put my user name, user1 should access successfully the repo1.