Even if there's nothing inherently wrong with borrowing the money (as far as I know, borrowing/lending happens all the time in business? I don't run a business though so someone please correct me) and there's nothing illegal with this incident (besides the valuation issue) it still goes to show the kind of person Mel Morris is choosing as his bed fellows.
The guy he loaned from is facing up to 15 years in prison for god sake.
Also Derby fans are really trying to convince themselves this is a big ball of nothing (which it might be). Even as far as to say "It may also back up the fair value of the sale price? Why would someone lend Mel £81m if it's only worth £60m...?"