Hi This is my first post on here and desperate for some advice. Recently I've been contacted by a solicitor claiming he can claim my debt with Welcome Finance as un-enforceable. When looking into my loan I've found out that not only is it not listed with any credit reference agencies but not on the land registry. I've contacted my mortgage lender who have also confirmed there is no second charge on my mortgage. Does this alone make my debt un-enforceable and what would happen if i basically cancelled my direct debit to them. The solicitor's costs are on a no win no fee basis but can be up to 50% of anything I win. Many Thanks in advance.