Thank you Foggy

I suspected it might be a case of fear the worst & hope for the best. Typically I end up having to call my IP as they rarely reply to my emails!

With regards to securing funding for the bike I’m a bit confused by what you meant?

Good morning I hope you are all doing well despite the current corona virus situation! Im a wee bit confused about Tax refunds counting as windfalls or additional assets. Lonf story short I had to leave my pre job in June last year due to ill health but since had an op and started a new job last Dec...