Meet The Insolvency Team

Martin Armstrong FCCA FABRP FIPA MBA FNARA

Senior Partner

07836 200 551  /  020 8661 7878
martin.armstrong@turpinba.co.uk

Martin specialises in corporate insolvency and turnaround, audit and strategic planning and is senior partner of the practice.  Martin has wide commercial experience being a director of a property development company and former chairman of a not-for-profit company operating in the leisure sector. 
Martin also has a significant involvement in the local business community and voluntary organisations; Martin is Chairman of Westminster Circle, Old Suttonians Association and Old Suttonians Football Club as well as President of Sutton Federation and is past-President and vice Chairman of the Amateur Football Combination.

James Patchett FCCA FABRP

Partner

07712 530720  /  020 8661 7878
james.patchett@turpinba.co.uk

James specialises in all forms of insolvency having worked in the industry for many years; working alongside Martin and Andrew he heads up our insolvency department.  James joined the practice in 1988, qualifying as a Chartered Certified Accountant in 1996 and also qualifying as a licensed insolvency practitioner in 2002. 

Andrew Bailey FABRP FIPA

Partner

07464 675571  /  020 8661 7878
andrew.bailey@turpinba.co.uk 

Andrew specialises in corporate recovery and turnaround assignments working with business owners, lenders and other stakeholders from an advisory perspective through to formal insolvency procedures. During his career at two London based insolvency practices and Turpin Barker Armstrong his sector experience has been varied and his work has involved assisting many small owner manager businesses through to dealing with several high profile restructuring assignments. Andrew has extensive experience of business recovery procedures including solvent and insolvent liquidations, company and partnership voluntary arrangements as well as administrations. Andrew regularly works with lenders where there are concerns over director conduct or fraud and forensic investigations are necessary. In addition, Andrew has worked on a number of Fixed Charge Receiver assignments.

Katie Drake (nee Kellaway)

Partner

020 8661 7878
katie.drake@turpinba.co.uk 

Katie joined the firm in March 2016 bringing with her over five years’ experience in insolvency, with a particular focus on corporate appointments. She placed as a prize-winner when she obtained her CPI qualification in 2013. 
Katie is a keen netballer and enjoys travelling and socialising with friends and family. 

Ryan Russell

Partner

07464 675 572  /  020 8661 7878
ryan.russell@turpinba.co.uk

Ryan joined TBA in 2004 and, barring a 6 month break to travel the world, has been part of the Insolvency department ever since. Initially joining as a junior member of staff, he worked his way up in the practice and was made Partner in April 2021.  
Ryan specialises in corporate insolvency procedures, particularly voluntary liquidations and administrations, and has dealt with various sectors, including the restaurant industry, construction, and solicitor/IFA firms. He also assists in agreeing informal arrangements with creditors (including HMRC) for both corporate entities and individuals.
Outside of work he enjoys playing football and golf, and is a bit of a movie buff!

Lindsey Moore ACA BSC (HONS)

Director

074 6467 5596  /  020 8661 7878  
lindsey.moore@turpinba.co.uk

Having obtained a degree in Biochemistry Lindsey joined a mid-tier accountancy practice in London as an audit junior in 1989, transferring to the insolvency and corporate recovery department in 1991.  Lindsey qualified as a Chartered Accountant in 1994 and went on to sit the JIEB exams in November 1997, achieving a first time pass, and getting her licence in early 1998.  Lindsey’s experience in London was mainly of administrative receiverships, company voluntary arrangements and voluntary liquidations, together with more latterly some experience of independent business reviews on behalf of banks. 
After 13 years in London and 2 children later, Lindsey decided to move out of London to be closer to home and joined Turpin Barker Armstrong in 2003.  Since joining TBA Lindsey has also gained experience in personal insolvency as well as continuing to work on corporate insolvency. 

Louis Byrne 

Director

020 8661 7878
louis.byrne@turpinba.co.uk 

Louis joined TBA’s Insolvency Team in June 2023, having previously worked in the City for nearly 10 years. He has a broad range of experience in dealing with administrations, CVLs and advisory projects aswell as Compulsory Liquidations, MVLs and Bankruptcy cases. He studied for the JIEB exams in 2019 achieving a first time pass and is a licensed Insolvency Practitioner.
Outside of work, he enjoys spending time with friends and following his beloved Manchester United. He also spends the occasional afternoon hacking around a golf course.

Philip Cake

Director

0208 661 7878
phil.cake@turpinba.co.uk

Phil joined the TBA West Byfleet Office (formerly Gibson Hewitt) in 2001. He qualified as a chartered accountant with the ICAEW in 2004 and subsequently studied for the Joint Insolvency Examination Board (“JIEB”) exams achieving a 1st time pass in 2006. He was granted FCA status by the ICAEW in 2014.  
Phil has been a manager since 2006 working in all areas of personal and corporate insolvency.  
As former elite level marathon runner, Phil can still be found at the gym each morning but admits adopting a far more laid back attitude these days. 

Adele Sheridan 

Manager

020 8661 7878
adele.sheridan@turpinba.co.uk

Adele joined TBA in March 2022, she has worked in insolvency for over 25 years. She started her career with a mid-tier firm where she worked for 10 years. Adele specialises in corporate insolvency procedures and has dealt with various sectors including a solicitor/IFA firm. Adele also has experience of personal insolvency procedures.
Outside of work, Adele is at the gym every morning and likes a physical challenge, having completed the Tough Mudder course recently. Adele also enjoys playing tennis and is a keen advanced skier. She is also a member of her local village hall, organising events and functions for the village she lives in as well as regularly supporting local charity events. 

Darren Fanthorpe

Insolvency Manager

020 8661 7878
darren.fanthorpe@turpinba.co.uk

Darren joined TBA’s West Byfleet insolvency team in November 2023, having previously worked in London for 12 years for a boutique corporate recovery and insolvency practice. Darren has over 22 years experience in insolvency, working for both mid-tier and boutique insolvency practices, and with a particular focus on corporate insolvency and advisory projects.

His sector experience is wide and varied. Darren has extensive experience of business recovery procedures, in particular administrations and insolvent and solvent liquidations, as well as dealing with all other types of corporate insolvencies. He has also worked on a number of advisory projects and has experience of independent business reviews on behalf of banks and other lenders. 

Kimberley Reid 

Assistant Insolvency Manager

020 8661 7878
kimberley.reid@turpinba.co.uk

Kimberley joined TBA’s Insolvency team in March 2023, having previously worked for MHA Macintyre Hudson in the corporate restructuring team in London. Kimberley studied business management and has 10 years’ experience within the Insolvency profession. Over the last 3 years, Kimberley has focused her work around Fixed Charge LPA Receiverships and complex Administrations and has worked on a number of cases which involved investigation matters relating to unregulated bonds and other investments. In addition, Kimberley has managed Members’ Voluntary Liquidations and Creditors’ Voluntary Liquidations as well as the occasional Company Voluntary Arrangement. Kimberley plans to study for her Joint Insolvency Examination Board (“JIEB”) qualification in the near future.
Outside of her professional life, Kimberley enjoys travelling to new places and spending time with her family and 2 children (who are both keen footballers!). 

Matthew Crosland

Assistant Insolvency Manager

020 8661 7878
matthew.crosland@turpinba.co.uk

Matt joined TBA in February 2007 after earning a degree at St Mary’s University and has since gained vast experience in corporate insolvency, including Creditors’ Voluntary Liquidations, Compulsory Liquidations and Administrations. 
In his spare time, Matt enjoys socialising and spending time with his family and friends, as well as playing and following most sports, including cricket, golf and football. 

Michaela Lander

Assistant Insolvency Manager

020 8661 7878
michaela.lander@turpinba.co.uk

Michaela joined TBA in March 2023 bringing with her 15 years of insolvency experience. Michaela started her insolvency career at Begbies Traynor in London where she worked for 9 years gaining her CPI qualification which she passed first time. Michaela is also a Member of the Insolvency Practitioners Association (MIPA). Michaela has worked on a varied case load including Corporate and Personal Insolvency including trading Administrations.
Outside of work Michaela enjoys spending time with her family and taking her daughter on days out, as well as going for walks with the dog and of course shopping! 

Philippa Hatton

Assistant Insolvency Manager

020 8661 7878
philippa.hatton@turpinba.co.uk

Philippa has been working in insolvency since 2013 and has been at TBA since March 2015.  Philippa manages a portfolio of cases including Administrations, Company Voluntary Arrangements, Voluntary Liquidations, Compulsory Liquidations, Receiverships, Individual Voluntary Arrangements and Bankruptcies. Philippa obtained her CPI qualification in 2014 and is currently working her way through the ACCA exams to become a chartered certified accountant. 
Philippa is a big foodie, and in her spare time enjoys cooking and socialising with friends although her great love in life is to travel.

Vedeena Haulkhory

Assistant Insolvency Manager

020 8661 7878
vedeena.haulkhory@turpinba.co.uk

Vedeena has recently joined the firm, having over 12 years’ experience in insolvency.  Vedeena spent over 11 years working for a mid-tier accountancy firm in the City and has experience in dealing with both personal and corporate cases, including complex bankruptcies and investigation work. Vedeena manages a mixed caseload of personal and corporate cases.
Vedeena has a degree in law and is CPI qualified. She is currently studying towards her JIEB qualification and is a member of the R3 womens networking.
Away from work, Vedeena spends time with her family and two young boys and enjoys baking and cake decoration. 

Sylwia Starzynska-Hughes

Senior Insolvency Consultant

020 8661 7878
sylwia.starzynska@turpinba.co.uk

Sylwia joined TBA in October 2017, working as a Senior Insolvency Consultant. Sylwia is a Polish professional who has lived in the UK since 2003, she is a member of several groups of polish professionals including Polish Professionals, Polish Business Link and Women’s Business Link of which she is one of the Co-Founders.
Outside of work Sylwia enjoys snowboarding and basketball.

Courtney Blake 

Senior Insolvency Associate

020 8661 7878
courtney.blake@turpinba.co.uk

Courtney joined the firm in July 2022, having previously worked at mid-tier firms on the South Coast in Brighton. She brings with her over five years’ experience in insolvency, initially specialising in Bankruptcies before taking on corporate appointments including Creditors’ Voluntary Liquidations, Members’ Voluntary Liquidations, Pre-Pack Administrations and Company Voluntary Arrangements. She is set to begin her studies and aims to sit the CPI exam in July 2023.
Outside of work, Courtney is a film buff, loves to cook and enjoys long walks with her dog.  

Gabriella Storey

Senior Insolvency Associate

020 8661 7878
gabriella.storey@turpinba.co.uk 

Gabriella joined TBA in November 2023 bringing with her a wealth of insolvency experience. She started her insolvency career in 2005 and over the years she worked on a varied caseload initially, Bankruptcies and Compulsory Liquidations before taking on other types of corporate cases including, Company Voluntary Arrangements, Administrations, Members’ Voluntary Liquidations and most recently predominantly dealt with Creditors’ Voluntary Liquidations. At TBA Gabriella primarily deals with corporate and personal case closure.
Outside of work, she enjoys spending time with her family and getting out in the great outdoors.

John Evans

Senior Insolvency Associate

020 8661 7878
john.evans@turpinba.co.uk

John joined TBA’s Insolvency team in April 2018, having previously worked for MHA Macintyre Hudson where he started his Insolvency career in 2013.
John has experience in both personal and corporate insolvency and his caseload has primarily consisted of Members’ Voluntary Liquidations, Creditors’ Voluntary Liquidations, Compulsory Liquidations and the occasional Bankruptcy.
Away from work, John enjoys attending boxing and football events, trying different cuisines and socialising with friends and family. 

Lauren Matlock

Senior Insolvency Associate

020 8661 7878
lauren.matlock@turpinba.co.uk

Lauren has recently joined the firm, having many years’ experience in insolvency. Lauren started her insolvency career in May 2012 with a caseload of predominantly MVL’s and CVL’s. She has since expanded her knowledge with BKY’s and WUC’s. Lauren is a big foodie and in her spare time she likes to eat out at new restaurants. SHe also enjoys spending time with friends and family and is currently a happy hammer! 

Marvin Doondeea

Senior Insolvency Associate

020 8661 7878
marvin.doondeea@turpinba.co.uk

Marvin joined TBA’s West Byfleet office in November 2022. He has worked in insolvency for over 10 years gaining a great deal of experience in both personal and corporate assignments in the UK including Proceeds of Crime Act proceedings and internationally, administrating over insolvency appointments in multiple jurisdictions, as well as cross border insolvencies within Europe.
In his spare time Marvin has presented papers at numerous international conferences with a key interest in Insolvency and Corporate Governance and has published essays in both legal and accounting journals. He has also gained invaluable experience undertaking several international volunteering projects centred around restructuring and debt finance. More locally he also volunteers for a debt education charity working with local schools and colleges.

Chris Warner

Insolvency Associate

020 8661 7878
chris.warner@turpinba.co.uk

Chris joined TBA in March 2020 after completing a placement year at Gibson Hewitt between 2017 and 2018. In 2019, he obtained a BA (Hons) in Financial Management for Business from the University of Portsmouth.
In his spare time, Chris enjoys watching and playing football as well as socialising with his friends.

Kieran Robinson

Insolvency Associate

020 8661 7878
kieran.robinson@turpinba.co.uk 

Kieran joined tba in April 2019. He attended the University of Southampton, obtaining a BSc in Economics. His current caseload consists mainly of Creditors’ Voluntary Liquidations but he also has experience assisting with Administrations. He is currently studying towards his CPI qualification, hoping to sit the exam in 2023.
In his spare time Kieran likes rollerblading and playing/watching all kinds of sports. He’s also a huge music lover who enjoys going to concerts regularly, learning to play the bass guitar and even producing his own music.

Victoria Feddo

Insolvency Associate

020 8661 7878
victoria.feddo@turpinba.co.uk 

Victoria joined TBA in March 2017 bringing 10 years Corporate Restructuring experience from a big four firm. She qualified as a Chartered Certified Accountant in 2010 and her experience includes complex trading insolvencies to smaller cases including advisory work across a range of sectors. Victoria primarily deals with corporate and personal insolvency case closure.  

Jacob Woods

Assistant Insolvency Associate

020 8661 7878
jacob.woods@turpinba.co.uk

Jacob joined our West Byfleet office as a Junior Administrator in January 2022 having previously worked in Hospitality. He attended De Montfort University in Leicester where he studied History.
Outside of work, Jacob loves playing and watching Sport. He is currently the first XV Captain of Woking RFC, as well as a Southend United fan and an avid watcher of Test Cricket. In his free time, Jacob enjoys cooking, socialising with friends and going to the gym
.

Gabriella Benny-Mathew

Junior Insolvency Associate

020 8661 7878
gabriella.benny@turpinba.co.uk 

Gabriella joined TBA in October 2023 to gain experience, after her first year studying Policy & Economics at London School of Economics.
In her free time, Gabriella enjoys reading and socialising with her friends.

Hari Kandiah

Junior Insolvency Associate

020 8661 7878
hari.kandiah@turpinba.co.uk

Hari joined the firm as a Junior Administrator in August 2020 during his gap year and is going on to study History and Economics at the University of Manchester next year.
In his spare time, Hari likes to weightlift and is due to compete at a national level. He is also a keen sports fan and enjoys following football and cricket.

James Biggar

Junior Insolvency Associate

020 8661 7878
james.biggar@turpinba.co.uk

James joined the practice in July 2023 on a placement year as part of his degree in economics and finance, which he is studying at the University of Surrey.
In his free time James enjoys playing American football and is the president of his university team. James also enjoys watching movies and learning new things. 

Jed Heffernan

Junior Insolvency Associate

020 8661 7878
jed.heffernan@turpinba.co.uk

Jed joined the firm as a Junior Administrator in January 2022. 
In his spare time Jed enjoys cycling as well as playing and watching football. He also enjoys watching movies and socialising with friends and family.

Josh O'Neil 

Junior Insolvency Associate

020 8661 7878
josh.o'neil@turpinba.co.uk

Josh joined our insolvency department in June 2023, whilst on his summer holidays. He is studying physical geography at the University of Liverpool, and is working to secure vital experience in the finance sector.
Josh enjoys spending most of his time watching his favourite team Everton, going to the gym, as well as spending time with friends and family. 

Keshika Ramful 

Junior Insolvency Associate

020 8661 7878
keshika.ramful@turpinba.co.uk 

Keshika joined TBA’s Insolvency team as a Junior Insolvency Associate in May 2023, having previously worked in the Education sector.  She attended the University of Hertfordshire where she gained a degree in Education Studies and is ready for a new challenge in her career, with more chance for progression. 
Outside of work, Keshika enjoys spending time with her loved ones, socialising with friends, and travelling. She also enjoys cooking, reading and keeping fit by going on family walks with her dogs.

Max Wingham 

Junior Insolvency Associate

020 8661 7878
max.wingham@turpinba.co.uk 

Max joined TBA in June of 2023 to gain experience during his summer break from university. Max currently studies at the University of Leeds where he is studying Economics and Politics BA.
In his free time Max enjoys playing and following football, cricket and golf as well as going to the gym and spending time with family.

Oliver Webster-Mikklesen 

Junior Insolvency Associate

020 8661 7878
oliver.webster@turpinba.co.uk

Ollie joined the firm as a Junior Administrator in June 2023 and is going on to study Economics at the University of Birmingham next academic year. Ollie has just returned from a gap year where he spent time working followed by 2 months travelling in Asia.
In his spare time Ollie likes to go the gym and has a keen interest in sports.

Onyx Knibb

Junior Insolvency Associate

020 8661 7878
onyx.knibb@turpinba.co.uk 

Onyx joined our Insolvency department in September 2023. She attended the University of Birmingham where she studied BSc Economics.
In her free time she enjoys socialising with her friends and family and has a deep love for art and product design.

Paul Boutonnet

Junior Insolvency Associate

020 8661 7878
paul.boutonnet@turpinba.co.uk 

Paul joined the firm as a Junior Insolvency Associate in April 2023 having previously worked for a practice in St Albans. He attended Montpellier University in France where he studied Economics, Law, and Accounting.
In his spare time Paul enjoys playing football, running and going back to France for ski trips. He also enjoys spending time with family and friends and eating out at new restaurants.

Rebecca Norbury

Junior Insolvency Associate

020 8661 7878
rebecca.norbury@turpinba.co.uk

Rebecca joined the firm as a Junior Administrator in August 2020 as part of her gap year, she is now studying Psychology at the University of York but continues to works at TBA in between her studies. 
In her spare time, Rebecca enjoys going to the gym, playing the guitar and piano, and socialising with her friends.

Roan Phillips

Junior Insolvency Associate

020 8661 7878
roan.phillips@turpinba.co.uk 

Roan joined the firm in September 2023 as a Junior Insolvency Associate, following his graduation from the University of Reading with a degree in Economics and International Relations. Roan has had multiple part time jobs throughout his life but has now started his professional career with Tuprin Barker Armstrong. 
In his spare time, Roan likes to play football, attend live music events, and go shopping with his friends. 

Tasneem Malik

Junior Insolvency Associate

020 8661 7878
tasneem.malik@turpinba.co.uk 

Tasneem joined TBA in July 2023 as a placement year student. She studies Accounting and Finance at the University of Surrey.
In her spare time, Tasneem enjoys going to the gym and spending time with family and friends. 

Thomas Capstick

Junior Insolvency Associate

020 8661 7878
thomas.capstick@turpinba.co.uk

Tom joined TBA in September 2023 at our West Byfleet office as a Junior Associate. Tom previously undertook a week’s work placement at tba (formerly Gibson Hewitt) back in 2017 whilst studying at college. Having spent the past six years working in retail Tom is excited for a change of career to insolvency.
Outside of work, Tom loves watching sport, going to the gym, cycling,  listening to music, watching films and socialising with friends. 

Yaw Antwi-Boasiako

Junior Insolvency Associate

020 8661 7878
yaw.antwiboasiako@turpinba.co.uk 

Yaw joined TBA in October 2023 as a placement year student. He is currently studying Finance and Management at Loughborough University where he also play for the football first XI and won a national title last year. 
Outside of work Yaw likes to go the gym, play football and spend time with family and friends. In addition to this he has a keen interest in forex trading and the stock market.

Yujan Rai

Junior Insolvency Associate

020 8661 7878
yujan.rai@turpinba.co.uk 

Yujan joined TBA in July 2023 for his placement year and is currently studying BSc Economics and Finance at the University of Surrey.
In his spare time, Yujan enjoys playing football, powerlifting, and watching anime. 

Kelly Moore

Insolvency Cashier

020 8661 7878
kelly.moore@turpinba.co.uk  

Kelly joined TBA in May 2019. Kelly has worked in the accountancy profession for over 20 years and as an insolvency cashier for 6 years in the City of London.
In her spare time Kelly likes socialising with friends and family, travelling and shopping!  
Kelly has a keen interest in psychology and obtained a psychology degree back in July 2015.


Anette Gray

Insolvency Cashier


anette.gray@turpinba.co.uk 

Anette is an insolvency cashier in our West Byfleet office.

Linda Elledge

Insolvency Cashier

01932 336 149
linda.elledge@turpinba.co.uk

Linda has worked as a Insolvency Cashier since October 2009. She has a background of 33 years working as a Legal Cashier in solicitor practices having qualifies as a Fellow of the Institute of Legal Cashiers and Administrators.  
In her own time she has also qualified as an Associate of the Institute of Certified Bookkeepers. 
Linda is married and has a grown up daughter. She spends her spare time helping to look after her daughter's horse, as well as gardening and card making.

Samantha Jackson

Executive Assistant (EA)

020 8661 7878
samantha.jackson@turpinba.co.uk 

Samantha has been at TBA since July 2015 as Executive Assistant for the Senior Partner, Martin Armstrong.

Jane Price

PA

01932 336 149
jane.price@turpinba.co.uk

Jane joined TBA in 2009 and is PA to Partner Andrew Bailey.
In her spare time she likes to Knit and crochet.  She also loves gardening and walking with friends to keep fit.

Vickie Lennard

Insolvency Assistant / PA

020 8661 7878
vickie.lennard@turpinba.co.uk 

Vickie joined the Insolvency Team at TBA in March 2023 following a long career in a legal practice.  Previously an Office and Accounts Manager as well as undertaking PA duties she believes she can transfer her skills across and enjoy the challenge of getting to grips with Insolvency practice and procedures.

Vickie enjoys all sports, but watching international rugby has become her favourite despite being a football referee for many years.  Vickie loves to walk and swim and enjoys travel, socialising and entertaining.  Family get togethers are always treated as a special occasion.

Denise Denne

IT Manager


denise.denne@turpinba.co.uk

Denise joined the Practice in December 1999 and is our IT Manager. Denise’s responsibilities include planning and overseeing the smooth running of the IT department. Denise also creates compliance policies, procedures and forms for General Data Protection Regulation (GDPR).
Outside work, Denise enjoys spending time with family and friends, walking, mindfulness, yoga, theatre, gardening and cooking.

Karen Grant

Receptionist

020 8661 7878
tba@turpinba.co.uk

Karen is the first friendly face that greets you when you call or visit tba. Karen joined the practice as a receptionist in October 2004 and has been an integral part of the team since. 
Away from work Karen enjoys gardening and sports. 

Ryan Porter

Finance and Human Resources Manager

020 8661 7878
ryan.porter@turpinba.co.uk 

Joining the Practice at the beginning of 2022, Ryan oversees TBA's internal human resources and the practice Finances.
Outside work Ryan plays and watches a lot of football as well as coaching a youth team. He also enjoys holidays with his family.

Sarah Egerton

Office Manager


sarah.egerton@turpinba.co.uk

Our longest serving member of staff, Sarah, has been with the practice since 1984. With a wide range of responsibilities Sarah ensures that the office runs smoothly and efficiently– and if it doesn’t – she sorts it! 
A previous Akela and Brown Owl, Sarah is still involved in scouting in her spare time. She also enjoys travelling, eating out and being taken for a walk by her Border Collie. 

Hannah Duncan

Marketing Manager

07776 597 066  /  020 8661 7878
hannah.duncan@turpinba.co.uk 

Specialising in digital marketing Hannah deals with the whole firms marketing needs. Prior to commencing her marketing role Hannah was PA to Martin for 7 years where she gained valuable knowledge of the firm. Hannah's marketing role focuses on increasing brand awareness and the online presence of the firm. 
Hannah works part-time Monday - Thursday however she can be contacted any time by email or on her mobile 0777 659 7066.
Outside of work Hannah plays hockey for a local team, and she loves hiking, golf and any other outside activities. 

David Rutter

Corporate Finance Manager

07565 426 138   /  020 8661 7878
david.rutter@turpinba.co.uk 

David joined TBA in Oct 2018 with a remit to setup a finance division having spent the last 25 years in banking, finance and credit insurance.
David brings a wealth of experience particularly in assisting business to raise finance whether through factoring / invoice discounting, stock or trade finance, hire purchase, leasing and using where appropriate, the new fintech lenders.
In today's uncertain times cash is still king and having sufficient working capital is crucial to all business.
Outside of work David is a keen Crystal Palace supporter for his sins and has spent the last 7 years driving his son around to various swimming and water polo competitions. 

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