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OK found the chat thingy when logged in under my personal account- however it is showing 4 on the the envelope icon (perhaps that icon should be changed to save confusion?) and there seems to be no way to clear the number regardless of what I click, also will this feature only work when the user you wish to contact is online? As I cannot find a way to actually send the message.
I have added my personal login details below so as you can see the issue from the front end
*Extplorer installed so FTP may not be required
Update I have answered the second part of the question myself by "chatting" with admin whilst I was logged into back end as admin and logged into front end as myself and now the 4 has changed to a 3.