Wayne Rooney had put England ahead early on, with a win enough to send England above their opponents tot he top of the group.
But Montenegro levelled things up after dominating the second half through a goal from Dejan Damjanovic.
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Since Guus Hiddink arrived at the helm, Chelsea have improved considerably after a tricky start to the campaign.
Newcastle United are staring down the barrel of relegation to the Championship for the second time in the past eight years.