Gemma Whale is a Senior Associate within the Corporate department in Jersey. She advises on all aspects of restructuring and insolvency, corporate finance, banking and regulatory law.

Having qualified as a Solicitor in England and Wales in 2009, prior to joining Appleby, Gemma spent 8 years in the restructuring and insolvency team of a leading international law firm. Gemma’s experience covers contentious and non-contentious insolvency and business restructuring advice to insolvency practitioners, institutional lenders and major corporate. She has extensive experience advising lenders on their security net, including the lender’s potential exposure, enforcement options and possible enhancements that could be made, in each case.

Gemma has spent nine months on secondment with the Mid Markets and SME divisions of the Business Support Unit of Lloyds Banking Group, which provided invaluable experience and insight into the drivers behind the decisions made by an institutional lender, something Gemma is able to draw upon, when appropriate, in delivering her advice.

Since her move to Jersey, Gemma has broadened her banking and regulatory experience, advising significant financial institutions on all aspects of regulatory compliance and most recently, assisting with the restructuring of a regulated entity in order to achieve ring fencing compliance.



  • Acting for the joint administrators of a major UK fashion retailer in obtaining recognition of their appointment in Jersey, in order to be able to deal with Jersey situs assets.
  • Taking a leading role in advising Santander UK plc on the transfer of their banking businesses in both Jersey and the Isle of Man into the respective Jersey and Isle of Man branches of Abbey National Treasury Services plc, pursuant to a court sanctioned scheme in each jurisdiction.
  • Negotiating and completing numerous sales of commercial property in an insolvency context, most recently advising upon a £14m disposal of student lettings accommodation.
  • Advising the administrators of a major international stationery company on the realisation strategy of the administration and taking a leading role on the sale of the business and assets of the company.
  • Taking a lead role and being the main client contact in respect of a corporate restructuring of the Bank’s customer, which resulted in £13m debt reduction for the Bank.
  • Acting for various lenders on a number of confidential restructurings of debt finance.
  • Reviewing a wide variety of security documents, advising banks and asset based lenders and drafting reports commenting on the validity of such security and recommending steps to be taken to protect and enhance the lender’s position.
  • Dealing with insolvent companies in the leisure and hospitality sector, advising administrators on the sales of the business and assets of nightclubs, a public house and hotel.



College of Law, Birmingham (England)

University of Birmingham (England)


23 Jul 2020 | Analysis

Facilitation of Cross Border Restructuring

As the impact of the Covid-19 pandemic deepens and a prolonged “U” shaped recession looks increa...

Contributors: Gemma Whale
22 Jul 2020 | News

Appleby instructed on Monsoon and Accessorize administrations, obtaining recognition of UK officeholders

Leading global offshore law firm Appleby have acted in Jersey, Guernsey and the Isle of Man for the ...

6 Mar 2020 | News

Appleby’s Female Leader’s Network: One year on

Global network brings together women in senior positions across the jurisdictions in which the firm ...

20 Nov 2018 | News

Appleby Jersey Promotes Gemma Whale to Senior Associate

Leading offshore law firm Appleby is delighted to announce the promotion of Gemma Whale to the role ...

25 Jun 2018 | News

Appleby advise on offshore aspects of £150m sale of Lombard division

Appleby provided Jersey, Guernsey, Isle of Man and Cayman legal advice in connection with the dispos...


2 Sep 2020 |

Anti Money Laundering: Getting Reliance Right

The Jersey Financial Services Commission (JFSC) recently published its findings from the Thematic Ex...

Contributors: Gemma Whale
2 Jun 2020 |

Corporate Insolvency and Governance Bill: A Jersey Perspective

Insolvency professionals have watched with great interest as the Corporate Insolvency and Governance...

Contributors: Gemma Whale
15 May 2020 |

Wrongful Trading: An Update

The Law Society of Jersey has this week issued guidance commenting on wrongful trading under Jersey ...

Contributors: Gemma Whale
6 Apr 2020 |

Wrongful Trading: Legal position in Jersey

During these uncertain times, business resilience and continuity is at the forefront and directors o...

Contributors: Mark Brady, Gemma Whale
7 Feb 2020 |

Further safeguards for Jersey depositors

The Banking Business (Depositors Compensation) (Amendment No. 2) (Jersey) Regulations 2020 (the Regu...

Contributors: Gemma Whale
29 Jan 2020 |

Restructuring Retail: Investor Pressure

Once upon a time the high street was packed with household names. High footfall, consumer confidence...

Contributors: Gemma Whale

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