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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David Cameron has said he wants to cut taxes after the next election because British people "deserve a reward" after years of austerity.
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