Sorry guys,
I was in a bit of a rush, trying to do too much at once, and unfortunately left work now for the weekend, so everything is based on memory until Monday.
But basically in SME 6 (our last system), the users could login themselves and change their passwords through the "Password-Manager" contrib.
Upgraded to SME 9 and ran the commands I previously ran to install the "Password-Manager" and it result in the system reporting back "nothing to do" So I assume its already installed in SME V9. But cannot for the life of me see how to access it from a users point of view.
I can grab the logs on Monday and post up.