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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Only half of the 4.2 million of eligible couples are applying for a marriage allowance that could be saving them hundreds each year.
Analysts said the outlook for the UK's public finances had "weakened significantly" with Brexit likely to put more pressure on the economy.