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Harry Toffolo’s deteriorating mental health and belief that his football career was over were “very substantial mitigation” for him breaching Football Association betting rules, according to an independent regulatory commission. Toffolo was given a suspended five-month ban after admitting 375 breaches of FA betting rules and was also fined just under £21,000. The Nottingham Forest full-back placed the bets between 2014 and 2017. In written reasons published by the commission, it was stated Toffolo – who admitted the charge in full – placed 202 bets on matches in competitions in which his clubs were participating or had participated. There were also two spot bets placed by the player on events which involved himself as well as 15 identified to have been made against his own clubs. Of the 375 bets, he staked £1,323.92, averaging £3.53 per bet. His total return was £956.22 – a loss of £367.70. Toffolo placed a bet on himself to score in the 2015 League One play-off final at Wembley for Swindon, who lost 4-0 to Preston. The independent regulatory commission accepted Toffolo’s explanation of having placed that bet “in excitement”. The commission found Toffolo began placing bets on football, as well as other sports, when he was 18 and stopped at 21, with stakes “generally small”. He lost money overall, although he did profit from certain categories of bet. There was no suggestion Toffolo was involved in match fixing or benefited from “any particular inside information” and he was “driven principally, if not exclusively, by his own belief as to what the outcome of a particular match or event might be”. In the witness statements served on Toffolo’s behalf and also his own oral evidence, it was demonstrated the player “had a number of very difficult times in the period” when he was coming to terms with being told, during January 2014, he did not feature in the plans of then-Norwich manager Chris Hughton but could also not go out on loan to gain experience. The commission reported “as a result he perceived that his future at NCFC (in the U23 development squad) looked bleak” and it was around that time Toffolo began gambling, partly to “alleviate his low mood but principally because he wanted to ‘fit in’ with players who were claiming to be gambling regularly and successfully”. Following a loan move to Stoke, Toffolo said away from the pitch he “struggled with his mental health for a variety of reasons” which led him to gamble with increasing frequency. The player also talked about feelings of loneliness when staying in a hotel during a short-term stint at Rotherham and that he became depressed when sent out on loan to Preston until the end of the 2015-2016 season, when he considered his career in football “to be over”. The commission accepted there “appears to have been a link” between the state of Toffolo’s mental health and his gambling and noted when he joined Scunthorpe in August 2016 he “thrived far better”, with his family having also made the move. The frequency of his gambling decreased considerably and eventually stopped altogether. On the basis of the evidence, the commission concluded the bets placed by Toffolo during the relevant periods “were the result, at least in large part, of the significant mental health challenges” he endured over those periods. The commission found, with the support of his family and those around him and with external help from a sports psychologist, Toffolo made huge efforts to “turn things around”. “That he did so, and did so so successfully, is a credit to him and, we hope, might serve as inspiration to other participants who might find themselves struggling with mental health issues,” the commission’s statement added. On the sanctions, the commission stressed Toffolo’s breaches were “significant” and could not be described as “trivial despite the low stakes involved”. While there was “substantial mitigation”, the commission felt a sporting sanction was nonetheless “appropriate and proportionate in light of the serious nature of the breaches committed over a lengthy period of time”. It was acknowledged the suspended sanction could be viewed as “too lenient” but was concluded the “particular circumstances of this case justified the nature, duration and terms of the suspension”. Forest have declined to comment on the sanctions imposed on Toffolo. Manager Steve Cooper was among those to provide evidence to the commission, describing the defender as a ‘true professional’ and family man who has a positive impact on the dressing room and in the wider community. The sanctions on Toffolo follow the imposition of an eight-month ban on Brentford striker Ivan Toney in May for breaches of FA betting regulations. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Mauricio Pochettino wants Chelsea to be ‘naughty’ Gareth Anscombe reveals his relief at avoiding an unwanted World Cup double Klopp likes new Liverpool hoodie and lizards visit F1 – Friday’s sporting social

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Teenagers often like to have the latest gadgets and trainers, but if a young person suddenly has the ability to splash cash around, with no obvious explanation for their wealth, it could be a warning sign of money muling. Money muling happens when people are persuaded to let cash flow through their bank account in exchange for money or gifts – and young people in particular may be targeted. According to figures released by UK Finance and the fraud prevention body Cifas, young people under the age of 21 account for around one in five cases where money muling activity is suspected. While money muling may be seen as an opportunity to make some easy cash, it’s actually a criminal offence. The cash flowing through bank accounts is often the proceeds from crime. UK Finance and Cifas run a campaign called Don’t Be Fooled, which has developed free PSHE (personal, social, health and economic education) resources for schools, to help young people learn about the dangers and consequences of becoming a money mule. The new schools programme is aimed at youngsters aged 10 to 14. To find out more about the dangers of money muling – and the warning signs for parents to look out for – I asked Paul Maskall, manager of fraud and cybercrime prevention at UK Finance, for his expert insights: How can parents talk to children and teenagers about money mule activity and explain what it is? Paul says: “Even at the best of times, we aren’t always good at valuing and protecting our data, personal information or private details which we store digitally.” He says it’s important for parents to explain what money mules are, “to ensure that the newer generation have a better understanding of how to protect themselves.” He continues: “By doing so, it gives them more of an intuitive defence and understanding of the risk of people wanting to exploit them and gain access to their account, for the purposes of laundering money.” How can young people themselves avoid getting involved in money muling? Maskall stresses the importance of keeping accounts and personal information private. He says: “Criminals seek to manipulate you with a promise of gifts, rewards or a percentage of the funds sent through your account.” People should avoid opening a bank account in their name for someone else, allowing their bank account to be used to send and receive funds for other people, or sharing PINs and passcodes, he says. While criminals will often seek out younger people to become money mules, it’s also important to remember that anyone can be targeted, he adds. What are the warning signs that your child could be involved? “Tell-tale signs that your child might be involved in money muling could be them suddenly having extra cash, buying expensive new clothes or top-of-the-range mobile phones and gadgets with very little explanation as to how they got the money,” Maskall explains. “They may also become more secretive, withdrawn or appear stressed sometimes, becoming more fixated on communication and phone usage.” What are the consequences of money mule activity? Some people may see requests to pass money through their account as harmless – but they could be making a big mistake. “Criminals need money mules to launder the profits of their crimes and frequently target young people, who are often unaware of the consequences of them agreeing to do so,” says Maskall. “Allowing a bank account to be used in this way is a crime and can result in a criminal record and the account being closed. “You could go to prison for up to 14 years and it can also lead to the individual finding it difficult to obtain mobile phone contracts or access financial products and credit, including student loans.” What should parents do if they think their child or someone else they know might be involved in money muling? “It’s important for parents and guardians to remind their children of the potential approaches that they may receive from criminals,” says Maskall. He says if any parents or guardians are worried that someone they are close to might be caught up in money muling, they can contact Crimestoppers anonymously on 0800 555 111. Where can parents go to get support or seek further information and how can communities stay safe? Maskall says: “We encourage everyone to visit the Don’t Be Fooled website for more information on the risk of money muling and how to stop the signs. www.moneymules.co.uk. “It is important to remember that anyone can be at risk and speaking openly and educating one another about the harm and risks involved will benefit others.” Read More From tofu chicken wings to chickpea bacon – how and why you should be making plant-based meat at home Holly Willoughby channels Gwyneth Paltrow with ‘orgasm anxiety’ blog post Do it for the Gram: Speedy but spectacular goat’s cheese linguine Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live