SHORTFALL ON MY ONE ACCOUNT

We (Me and my ex wife) had one account with FNB and our house was a security to that one account<br> so my account was in arrears because I got retrenched from my work <br> The bank sold house on auction and they are telling me to pay the shortfall<br> <br> what about my ex wife because we signed both for a house/one account when we buy it?<br> They even put my name on ITC for new account with consulting me discussing payment option<br> my was recorded 2014 june and they called 2014 november about paying R2700.00 a month <br> that money is too much for me ,I told them to split the money between me and ex wife