shortfall claim

Ive just recieved my shortfall letter claming I owe them £9,500. My house was repossesd in october last year, but before they took the keys off me I got 1 valuation saying it was worth £35,000. I saw the house advertised at £20,000 in a estate agents. I still have a copy of the local paper with the first advert of the house for sale and a copy of the same paper a week later stating it was sold. (Obviously undersold and made a quick sale) The mortgage was joint. She left,has a baby with another bloke,claming benefits etc , and has no money. I am working therefore am i liable to pay the hole £9,500 ? And how should i reply to this letter ? please help.

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