Chelsea defender Ashley Cole defended captain John Terry against accusations of racism on the third day of his teammate's trial, saying on Wednesday that the case should never have come to court.

Terry is accused of calling Queens Park Rangers defender Anton Ferdinand a "black (expletive)" in a racially-aggregated verbal attack during a match after being goaded over an alleged affair. Terry lost the England captaincy for the first time in 2010 when allegations surfaced he had an affair with the ex-girlfriend of then England-teammate Wayne Bridge.

Cole took to the stand to say he heard Ferdinand say "Bridgey," ''black" and the expletive. But Cole, who is black, said he never heard Terry's response at Loftus Road and insisted that his teammate is not racist. Cole backed Terry's defense that he repeated the offensive term to Ferdinand during the confrontation in October to counter what he believed the QPR player was accusing him of saying.

"If I repeated something that I thought you said, that's totally different than if someone just says something," Cole said.

Dismissing the case as "handbags" — a British term for a minor scuffle — Cole completed his testimony in Court 1 at Westminster Magistrates' Court by saying: "I think we shouldn't be sitting here."

Prosecutors, though, have claimed it was "plainly and inherently unlikely" Terry would decide to repeat the phrase with no surprise or incredulity.

"You knew you had crossed the line and you have regretted it ever since," prosecutor Duncan Penny said. "You are stuck with this story since you put it out in the press and you can't back down."

Terry dismissed the notion. Penny asked Terry why Ferdinand would have concocted a false accusation against the then-England captain. "What good was it going to do him, making this allegation against you if it was not true?" Penny said.

"I can't answer any questions for Anton," Terry replied. Giving evidence earlier Wednesday, Terry insisted that he was immune to abuse about his private life and family during matches. Terry said he has taken "abuse on the chin" since the allegations about the affair with Bridge's ex-girlfriend emerged in 2010 and led to him being stripped of the England captaincy for the first time.

Terry also recounted how he finds it "upsetting" that Liverpool fans bellow vulgar chants about his mother during matches.

Taking to the stand in the afternoon, Chelsea chairman Bruce Buck, who has been in court throughout the case, praised Terry's mindset when under fire.

"He has an almost uncanny mental strength that when there are some bumps and bruises in his personal life he is able to go on the football field and shut that out as if nothing is going on," Buck said.

Terry's defense team presented a statement signed by several Chelsea players, including strikers Daniel Sturridge and Fernando Torres, and midfielder Michael Essien, saying: "I've never heard John Terry use any form of racist language."

Former manager Jose Mourinho also provided a character statement that maintained: "I am certain John Terry is not a racist."

The case centers on video evidence of the alleged incident that emerged on YouTube with subtitles quickly after the match. Ferdinand testified that he didn't hear the alleged abuse during the match and only became aware of it via the internet clips.