Aaaaaaaaaahhh, CRACKED IT!!!! Quite by chance really.
I'd set my User Data folder to D: game saves blah blah so it defaults all my save games, tactics, screenshots, in a place I back up regularly. Also in that folder is where I keep the backups of the kits I've downloaded, with a view to making a WISE install wizard to instal all graphics easily straight to the game, for my mates who are not broadband or PC savvy at all.
The problem was, I'd got a folder in there with a pack of Simply kits and it was only one folder down ie: 0607 shortless/premier, whereas my Ready To Burn pack was havin to search thru data/pictures/kits/clubs/eng before it found my 3dGK kits, so the game was obviously finding my Simply Kits first and using them. I deleted them and voila! Job done.
Probably could have changed the User Data folder back to Default in one click in the game, would have done the same thing I guess.
LITTLETON COACH thankyou so much for trying to help me, cheers mate top man