Thank you everyone for your help and for being patient with me, much appreciated.

if i cannot find a permanent address what would be the recommended steps,

would i write to Overdales advising them the Vanquis debt is Statute Barred.

If i do get an address within the next 2 weeks which is left before its statute Barred advising them of my new address would that not give them an anchor to use against me as its more communication...

again i really do apologise im totally useless with all this......

please idiot proof this for me as im well out of my depth here. 

Hello, i left an abusive relationship and have been sofa surfing for quite a while, i did not know about the Vanquis debt until i got a letter sent to an address i was using for a short period of time.

They currently have no fixed address for me and are contacting me via email.

I responded by letter because they were threatening further action.

I sent a letter template requesting a copy of the credit agreement as i wasn't aware of this debt. So challenged that i do not acknowledge it as mine.

Please excuse my short comings with my knowledge but what do you mean about the mobile phones not being covered by the CCA. 

I challenged and requested a copy of a credit agreement for Debts with Vanquis credit card and two debts with EE Mobile.

The Vanquis Debt hits the no contact mark for 6yrs on the 29th of this month.

I received an email saying that they did not need to have a credit agreement for the two EE mobile Debts but would find the Vanquis one.

I received an email back nearly 30 days ago saying they have the credit agreement for Vanquis and i have 30 days to respond before they may then proceed with legal action. The credit agreement that they sent was a pre-contract credit information which at the end only has my typed name NOT signed, i wasn't aware of these debts as i had an abusive ex wife who took these out without my knowledge.

My questions are as follows

A, Are they right that they do not need a credit agreement for the two EE mobile accounts.

B, Does the Vanquis pre-contract one hold any weight.

If so please could i have your advice on how to respond either way.

As i explained i haven't acknowledged responsibility for these debts and the Vanquis one hits the 6yr mark on the 29th of this month, two weeks left.

Many thanks.

Lowell Overdale.pdf