I am constructing an address using address function as follows

=address(row(),24,1,TRUE,B1&T2)

The result is a text of the address but if I use

=INDIRECT(ADDRESS(row().....B1&T2),True)

I get #REF... I assume the INDIRECT() is looking for a reference not text.
What I really want is the content of the cell created using the Address()
function.
I have tried =Cell("contents",address(....)) to no avail...

Please help
Norm