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This is making my brain hurt. 10/10 regret doing a course to do with software development. Cheers for your help so far though.

Should this be going in my SMS.java or my Member.java where the Member class is?

if ( user[i].getUserName().equals( logonName ) ) { . . . }

Is the user[i] my array name?

import java.util.Scanner;
import java.util.ArrayList;
public class SMS
{
public static void main (String[] args)
{

ArrayList<Member> someStuff = new ArrayList<Member>();
...