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Some of that is happening in Omaha in one of the world’s largest academic, nonprofit, industry-neutral facilities for testing implant devices.

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This is the highest figure since the start of 2009, shortly after the taxpayer bailouts of RBS and Lloyds.

The picture is even more worrying on other unsecured borrowing, including personal loans and car finance, with 30.3 per cent more lenders reporting an increase in customers missing repayments.

These are the worst figures since the height of the credit crisis at the end of 2008.

Almost £200billion in consumer credit is owed in total – an average of around £7,700 per household – and this figure does not even include mortgages.

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