I have a bit of a strange situation whereby my mother opened catalogue accounts in my name with Freemans, Oli, Next, Littlewoods, Great Universal and Empire. Some I knew about some I didn't. Any CCAs were signed by her in my name. At the time she had a good job but payments fell into arrears on all accounts when she couldn't keep up with payments (sometimes due to medical reasons and my dad has been very poorly since around 2005). I have taken over control of all the accounts from my mum although initially she was making total payments of around £400+/month into payment plans that I had set up over the phone with each creditor. Eventually this became too much money and we went to the CAB who said they couldn't really offer a liaison service because I earned too much (I am only on £17k/yr and have my own bills to pay). In November 2010 I called and requested a copy of the CCA for each account. No response as of January 2011. I realise at this point I should have put the request in writing. However, in December 2010 we wrote to each creditor, requesting that the account name be changed to my mum's name, explained the circumstances and I also referenced that they hadn't responded to my initial request for a copy of the signed CCA, which would prove I didn't sign the agreements so I again requested a signed copy from each creditor. No response. I followed this up with two further letters in January 2011, all sent recorded. No response from anyone except Moorcroft on behalf of Next who sent a holding letter saying they were looking in to it and had passed the letters/info back to Next to look at, but I haven't heard anything since then. The other creditors refused to acknowledge receipt of any of the three original letters and continued to try harass me by telephone. I have no requested my phone number be taken off the accounts. I had a conversation with Littlewoods today who said they don't deal in letters only telephone calls and they have no record of me sending anything. I said tough I have proof of delivery and you manage to send letters when you want money! Basically this went no where and I refused to be drawn out in to the details over the phone. Littlewoods moved my complaint up the chain to a 'manager' who said they would get in touch. We'll see. The woman at Littlewoods also said that it was entirely in their right to pass the debt on to a third party or keep charging me missed payments fees because as far as they were concerned the account wasn't in dispute, which I rubbished with a response of the letters acting as the start of the dispute and it was a criminal offence to take actions on an account in dispute, whether they thought it was or not was irrelevant and I reference the Consumer Credit Act etc. So basically now I'm left having requested the change of account (which is legal according to CAB who suggested it - it is down to the discretion of the creditor), and also sent two follow up letters re: the CCA and I'm getting no response. I'm a bit at a loss. I'm wary that they could threaten legal action against my mum for fraud and try and push me into making payments with this threat hanging over my head, but as yet this has not happened (I feel like it's only a matter of time). I could claim my mum had reduced capacity when opening the accounts due to undue mental stress as there is a history there of manic depression but legally I'm not sure where that stands. My credit file is almost unrecognisable to me, missed payments, late payments, lots of debt that's not mine but is. Any advice on next steps and moving forward with this would be much appreciated. Is it time to give them one last chance to send me a copy of the signed CCA. Do I have a leg to stand on if I can prove this wasn't signed by me? Any help appreciated.