Thanks for the response JLC, and I found your advice to be very useful... don't worry, I wasn't planning to mention my personal financial/employment situation on the BOI! I've already become familiar with the attitudes on there, and would keep it as "sterile" and professional as possible.

I posted the seller's photos above, and here are a few from the day she arrived at my house - you can see some evidence of the kink in these, so clearly it didn't happen in my care. And as I said, it did occur to me upon arrival, but I tried to convince myself it was just her squished position - was in denial, I suppose.