Hoggard apologised to Rafiq for what he said and how it made him feel. If it wasn't racist or derogatory what was it, and what did Hoggard apologise for?
Lloyd apologised for comment[s] he made about the asian cricket community in general, not Rafiq. Re. Hoggard, that was a private phone call between him and Rafiq. To the best of my knowledge Hoggard hasn't made any comment publicly.