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Ben and Kathrynn Topps, 25, a teaching assistant, had been renting the two bed terrace in their hometown of Cheltenham for five years. But in the back of his mind, Ben, a project manager for an aviation company, knew he might have problems getting a mortgage. Ben, 30, has a blemished credit history following a bunch of defaults on payday loans and personal loans as well as two county court judgments CCJs.

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