Thanks for the info. I got the interview via a recruitment agency and have been open about the 2010 and 2012 defaults - I will make sure RBS know about this before the interview as I think this gives me my best shot with HR.

Hello, I am currently applying for new jobs and have been offered an interview as a Relationship Manager for RBS. This job does involve giving financial advice and the job description does state that a credit search will be done. I'm writing to ask if anybody knows what level of credit search they will be doing? My history is that I defaulted on three personal loans in 2010 and a credit card in 2012. I then worked to a debt management plan which I have remained up to date on without missing a payment. I am now using a redundancy payout to pay the remaining debt with a reduced settlement - 25% reduction on outstanding balances in return for repayment in one go. I do not have any CCJ's. Does anybody have experience of this? Is it worth going ahead with the interview?