Chris,(posted 7769 days ago)I think you should follow the advice on the Home Repo site i.e. put the lender to strict proof, make them proove they sold the property for a fair price. You will then be in a better position to negotiate. Because it's a joint mortgage you'll be liable for 50% of the alleged shortfall. Check out too whether the shortfall is now statute barred or falls under the CML 6 year voluntary code.
Mark.