A magistrate yesterday exercised his discretion in imposing a 240-hour community service order on a police constable convicted of deceiving three finance firms into lending her $150,000 without disclosing she had at least 23 outstanding loans. The decision to spare the constable from jail came after Magistrate Anthony Yuen Wai-ming read favourable reports by the probation officer and social welfare on Winnie Tsui Wing-yee, 31. Mr Yuen said he considered Tsui did not commit the offences because of bad habits such as gambling. Tsui was earlier convicted in Western Court of three counts of fraud relating to money borrowed in September and October 2000. She pleaded not guilty. Defence counsel Albert Luk earlier said Tsui did not provide false information while applying for the loans, which were used for her father, who was in financial difficulty, and her mother, who had gambling debts.