Hi, I have just received a claimform from IDR (for Barclaycard) for £18k,   do not really know what to do,   would like to defend it somehow,   have only ever admitted the debt to Barclaycard,   when it went to default, since then I have not spoken or interacted with DCA's at all over this until   IDR sent the Claimform   have approx 10 days to reply.   What would you guys suggest?   have a home with plenty of equity but my wages are very low due to self emplymen