Our people

930 professionals at Knights service 12,000 clients across the full spectrum of legal & professional services.

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Graham Hall

Partner
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Graham Hall

Partner

Graham is a Partner in the Banking team.

Graham has over 18 years experience advising banks and borrowers throughout the UK and internationally on all aspects of banking and finance.

Graham's clients include the leading banks, financial institutions, blue chip companies, PLCs and SMEs.

Graham advises on debt finance and restructuring work, invoice and asset finance, secured and unsecured bilateral and syndicated lending (including Loan Market Association based transactions) and complex inter-creditor issues.  He also advises on acquisition finance, invoice discounting and factoring, property and development finance and leveraged and investment grade corporate lending.

Recent examples of how Graham has helped clients include:

  • facilitating a finance deal for a premiership football club which had been given a deadline by investors to refinance their facilities or risk insolvency;
  • negotiating a seven figure finance deal for the purpose of the development of the prime business area of Manchester city centre;
  • acting for a European car manufacturer in their back to back invoice discounting facilities;
  • acting for and negotiating the facilities on behalf of numerous premiership football clubs; and
  • negotiating the refinance of facilities offered by a syndicate of banks to a national retailer within a strict timescale and within budget.
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Michael Lodge

Partner
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Michael Lodge

Partner

Michael is a Partner in the Banking team.

Michael advises on lending, acquisition finance, refinancing, property and construction finance, invoice discounting and general banking, security matters, priority arrangements, and regulatory issues

Michael acts for numerous banks and building societies in the UK as well as a few overseas lenders (in France, Australia and offshore jurisdictions), ensuring that the security of their loans is adequate and that terms will be enforceable.

Michael also acts for a range of borrowers, including PLCs, housing associations, large private companies and SMEs, in the UK and overseas, and he is experienced in dealing with complex business ownership structures, such as those involving offshore investment vehicles. He advises borrowers on the terms of their loan agreement to ensure that obligations are reasonable, and the business will not have any problems complying over the term of the loan.

Recent examples of how Michael has helped clients include advising:

  • a care home group on a £71 million syndicated facility for acquisitions, development and refinancing of existing facilities;
  • a first-class county cricket club on its £2.5 million debt and grant facilities provided by a local council;
  • a High Street bank on its £6.5 million funding for the construction of a care home;
  • a Chinese funder on the acquisition of a part-drawn £42 million facility and related security;
  • the borrower on a £30 million sale and leaseback arrangement and the banking aspects of a related acquisition of a group of companies; and
  • a bank on the funding of two hotel acquisitions totalling £31.5 million.
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Daniel Tozer

Partner
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Daniel Tozer

Partner

Daniel is a Partner in the Corporate team.

Daniel specialises in mergers, acquisitions, sales, corporate reorganisations and demergers, management buy-outs / buy-ins and joint ventures.

Daniel also advises on loans, investments, debt refinancing and security arrangements.

Daniel enjoys acting for a broad range of clients but has notable experience in the banking, insurance, recruitment and manufacturing sectors. His clients include Lloyds Bank, Clydesdale Bank, HR GO plc, Minority Venture Partners and Seventeen Group.

Recent examples of how Daniel has helped clients include:

  • completing the multi-million-pound sale of the UK’s second largest pet retailer, Jollyes Retail Group, via a management buy-in which was backed by private equity firm Kester Capital and with debt funding by HSBC;
  • completing the multi-million-pound acquisition of Graybrook Insurance Brokers and Walker Persson & Spargo Insurance Brokers & Risk Services by Seventeen Group Limited in two deals within the same week;
  • completing the acquisition of Sussex Recruitment Limited and Gel Resourcing Limited on behalf of HR GO plc; and
  • completing the sale of Fire Facilities Management to JLA Group.
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Simon Trees

Partner
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Simon Trees

Partner

Simon is a Partner in the Banking team.

Simon assists banks and alternative finance providers with the recovery of commercial loans and facilities and is experienced in dealing with complex, high value cases involving obstructive, elusive and vulnerable debtors.

Simon is a specialist in non-standard secured commercial loan agreements and in disputes arising out of property finance, bridging loans and asset finance arrangements.

Simon advises on secured and unsecured liabilities, asset tracing or preservation, tactics for avoiding a facility falling into negative equity, and on recovery options where a charged asset has been removed from the jurisdiction.

Simon works alongside insolvency firms who have been appointed to manage lender-initiated administrations, fixed charge and LPA receiverships, liquidations and bankruptcies.

Simon also works with well-known commercial lenders who look to him for debt recovery and dispute resolution advice and for help drafting unusual or unconventional finance agreements.

Recent examples of how Simon has helped clients include:

  • persuading the partner of a defaulting borrower with mental health problems to agree to the voluntary sale of a property in order to avoid a negative equity situation arising;
  • locating and securing the return from Italy of a £300,000 coach, charged to our lender client under an asset finance arrangement, by persuading the UK courts to make a rarely sanctioned creditor’s administration order;
  • recovering possession of a property occupied by vulnerable members of a borrower’s family whose existence had not been disclosed to our client at the time a £700,000 commercial loan was approved; and
  • securing full repayment of monies owed to two associated lenders by a company under a part-secured, part-unsecured credit facility in circumstances where registration of a third-party charge threatened to make recovery of the unsecured element virtually impossible.
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Alistair Haggerty

Senior Associate
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Alistair Haggerty

Senior Associate

Alistair is a Senior Associate and a Solicitor-Advocate in the Banking team.

Alistair is experienced in litigating claims through the courts up to and including the Court of Appeal but equally has extensive experience of alternative dispute resolution, achieving commercial and pragmatic settlements via mediation and informal negotiations.

Alistair advises on disputes arising in the context of business banking and finance agreements, over issues including missing or delayed payments, refinancing or re-securitisation, asset tracing, disputes over the validity of personal guarantees, fraud and insolvency.

Alistair assists lender clients in the swift enforcement of defaulting debtors in respect of secured lending, unsecured cash flow and cash advance agreements, pursuing debtors to obtain judgment, and securing charging orders against company property or property owned by company directors – in the UK and overseas.

Alistair acts for a variety of commercial clients including partnerships, LLPs, owner managed SMEs, limited companies, public companies, merchant banks, commercial and tertiary lenders such as peer-to-peer funders, brokers and asset finance companies.

Recent examples of how Alistair has helped clients include:

  • tracing, securing and recovering assets with a value in excess of £100,000, plus damages, for an international clothing machine manufacturer;
  • recovering a part payment of a loan facility in default to the tune of £1.1 million on behalf of the lender without litigation, satisfying the investors while still enabling the client to pursue the debtor for outstanding sums;
  • securing possession of a bankrupt company director’s residential property for a lender, after the company went into liquidation, and ongoing litigation relating to disputed penalty clauses, excessive interest provisions and accelerated payment clauses;
  • advising on fraudulent revolving loans on which the debtors had defaulted resulting in the client companies and special purpose vehicle companies entering into administration; and
  • successfully quashing an attempt to extract monies from a financial institution in receipt of a threat of legal proceedings concerning non-payment of brokerage commissions in the region of £90,000.
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Jo Rovery

Associate
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Jo Rovery

Associate

Jo is an Associate in the Real Estate team.

Jo advises on landlord and tenant matters involving lease renewals, lease surrenders, lease variations and side letters. She undertakes acquisitions and sales, freehold sales and purchases subject to lettings, sales conditional on planning agreements, option agreements, and pre-let agreements.

Jo is experienced in secured lending and development finance for lenders and borrowers in residential, commercial and mixed-use site acquisitions, portfolio refinancing and restructuring.  She advises on transfer of properties between entities, such as from a sole trader to partnership or limited company, liaising with professionals on compliance and tax efficiency.

Jo acts for institutional investors, property companies, banks, and high-net-worth individuals.

Recent examples of how Jo has helped clients include:

  • enabling a borrower to acquire and redevelop a mixed-use site incorporating a pre-let hotel, social housing, café and supermarket via a £25 million refinancing loan involving a range of security and collateral warranties.
  • facilitating a property investment company’s conversion of a freehold warehouse to office space with a bank loan, incorporating agreements on capital contributions, building contract and construction related warranties, and a tenant agreement to undertake the conversion at the landlord’s expense;
  • enabling a landowner to proceed with a site sale and development, conditional on planning permission, by negotiating an option agreement with a large housebuilder; and
  • negotiating for a tenant an aeroplane hangar and adjoining land lease involving rights of access over an airfield, advising on tenant covenants to ensure compliance with airfield regulations, a licence to store on the adjoining land, and guarantor covenants with the tenant’s non-UK parent company.
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Anna Corker

Solicitor
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Anna Corker

Solicitor

Anna is a Solicitor in the Banking team.