There were at least two completely indefensible decisions.
First, ref called held, attacker and defenders continued in the tackle oblivious. Ref penalises defenders. On what basis, one side rather than the other? Surely re-set the PTB.
Second, Bradford player feigns PTB (happened a few other times too), London players move up. London penalised. Offence is very clearly delaying the PTB.
I won't mention 40/20 other than to say that the ref had a better view than the TJ and so I hope he made the decision himself (right or wrong).
Finally, always rings alarm bells when refs end games by trying to even out the penalty count - noticed we got the final two pens for stuff that had gone unpunished for 75 minutes.