Football finance expert Kieran Maguire has told The Overlap Fan Debate brought to you by Sky Bet: “In the case of City, there's actually three charges. It's not 115. Has money come in from the owners which they pretend to be from the sponsors? If that is the case, then that is fraud. That is about as serious as it gets. And, if found guilty of those charges, then the book will be thrown at Manchester City and it's going to be a massive points deduction.
“You can't relegate them because the Premier League and the EFL are independent bodies, so the EFL doesn't have to accept them. Given the Everton and the Forest points deductions, they were both described by the commission of being ‘minor breaches’. Well, what Manchester City are being accused of is major breaches over a 9-10 year period. So, you would be looking at somewhere between 60 and 100 points if you go through on a charge by charge basis. So, it would relegate them.
“The paying people off-book, it happens in football. I know a number of players and ex-players who are working for the owners' company and also on a wage at the club. We've got history of players' mothers being paid hundreds of thousands of pounds to be an academy scout in order for the player to have a slightly better deal and so on. Football is quite creative in those rules.
“And the third charge, which I think City will find difficult to defend, will be non-cooperation with the Premier League's investigation. Having said that, if my wife looks at my internet history, I'm in trouble! It shouldn't be done. You shouldn't be relying on hacked emails, and that's City's defence.”