Yes I did copy them to my Seagate Expansion Drive which is an external hard drive from the C Drive...what I did was to copy my user name from there to the external hard drive.
I copied the normal.mxt from this to the Windows 10 in the users folder...
Didn't work..
I also looked at the folder inside the Users and found that when I installed ArcGIS 10.3.1 I can see that
C:\Users\rmpollock\AppData\Roaming\Esri ... <-------- See the word Esri had mixed Upper Capital E and sri small letters.
So I went back to the External hard drive and check it again and found this:
E:\rmpollock\AppData\Roaming\ESRI <------see the word ESRI is all Upper Capitals ...
I deleted it and copied it again and still not work..... so maybe it got corrupt from the first time .... Don't know...