Ruth and Dave Hall bought their home in Lincolnshire for £169,000 in 2008 but it is now being sold for just £137,000.
She told Business Editor Laura Kuenssberg that she believes they should never have been lent that money in the first place as the house wasn't worth it and they couldn't afford it.
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The three-bedroom, mid-terrace former council house went for more than the guide price and was snapped up by an anonymous bidder in the UK.