John Terry's racist language towards Anton Ferdinand was used as an insult, an independent Football Association panel has found.
The commission which banned Terry for four matches said there was "no credible basis" for the Chelsea skipper's defence that he was only repeating words he believed the QPR defender said to him.
Terry admitted using the words "f***ing black c***" during a match in October last year but had claimed he had only been repeating words he thought Ferdinand had accused him of saying. In its full written reasons for the four-match ban, the FA's independent regulatory commission said it was satisfied the words were intended as an insult by Terry. He now has two weeks in which to appeal.
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