Heya, first off I think your experience with the bank and with HMRC definitely makes you a strong applicant for direct TCs. That being said, you should definitely be including the mitigating circumstances. If anything not including them will likely take you out of the game entirely for quite a few firms (especially the ones that place a lot of weight on grades). You've had to go through far more than the average applicant and you would be disadvantaging yourself if you didn't let firms know of it.