i have same problem you had any luck finding the kit panel??If your using other styles other then 3Ds you need a "kit panel" installed in the football manager 2009/panels folder. Can't remember where to get it though. I'll dig around see if I still have a copy of it on my pc.
go to http://www.fm-base.co.uk/forum/f56/3d-kits-guide-template-t11785.html download files and then download photoshop. when everything has downloaded open the template with photoshop.Brilliant kit designs!!
Would love to know how do design some myself.