What were the nature of the bets?

A betting company contacted the FA in August to alert them to Terry’s betting activity. The FA later found an account with a second betting company.

The commission’s report said Terry had admitted placing 209 bets reported he had made 34 “bets which included games in competitions that PT’s club had participated in during the relevant seasons. The 34 bets were all multiple bets.”

What are the rules around betting?

FA rules prohibit all employees of football clubs from placing any bets on football, regardless whether the bets relate to their own clubs or competitions.

How much did Terry lose on gambling?

The report read: “The overall amount staked by PT during the relevant period was £63,800.40.

“The returns were £16,883.67. This resulted in a net loss of £46,916.73.

“The average bet placed by PT across the 209 bets was £305.27. However, this figure was significantly skewed due to a handful of disturbingly high-stake bets that were placed by PT. 

“Whereas PT’s usual stakes were relatively low, ranging from £2 to £200, a number of bets placed, particularly in November 2017, stood out as being extremely high.

“By way of example, over an 18-day period in November 2017, PT staked £45,600 across 12 bets.”

The report said those November 2017 bets included a £10,000 wager on Germany to beat England, a £17,700 stake on Italy to beat Sweden and a £10,000 bet on Manchester United to defeat Basel in the Champions League.

What was his outlook on the situation?

The report read: “PT stated in interview that he had received education on betting and had been aware of the rules against betting on football albeit he was unsure that it applied to coaching staff.

“PT said that he has gambled all his adult life and that he was betting through boredom when he placed the bets on football. He said that he never bets beyond his means.”

Later, the report read: “PT did not consider himself to have a betting problem at all.”

What else did the FA say?

The report read: “The Commission was somewhat concerned and curious as to PT’s pattern of betting.

“PT had on a number of occasions placed very large stakes, that on the face of it appear to have been disproportionate to his football-generated income and he had lost a significant amount of money over a relatively short period of time.

“Given the above, the commission members were also concerned that PT did not consider himself to have a betting problem at all.

“The commission would urge PT to seek some help from the PFA, FA or other outside agencies in this regard