Car finance

Nine in ten people in the UK who buy a car use finance. The sector is the second largest lender to consumers in the UK after mortgages. But the industry is bracing itself for a Supreme Court judgement which could see lenders forced to pay out tens of billions in compensation for selling deals with 'secret' commissions. File on 4 Investigates hears from industry insiders and those who tried to raise the alarm on a scandal that some believe could rival PPI.Reporter: Helen Catt Producer: Phil Kemp Technical Producer: Nicky Edwards Production Coordinator: Tim Fernley Editor: Lisa Baxter

A deep-dive into the new generation of get-rich-quick gurus and the social media smoke and mirrors some use to shield themselves from criticism. This investigation uncovers the tactics used by some TikTok landlords and online ‘finfluencers’ who use the promise of property riches to sell advice and training to people hungry to make fast money and break free of the rat race.Thriving in a largely unregulated social media ecosystem, it highlights the intersection of disinformation, influencer culture and power dynamics, showing how unchecked behaviour has far-reaching implications for society and democracy.When journalist Will Coldwell wrote a long form article about his investigation into property trainer Samuel Leeds, he had hoped that highlighting some of what he saw as the guru’s hard sell tactics and sharing the stories of some of his unhappy customers might lead to him having to change his methods.But Samuel Leeds, ever keen to tell his own story, co-opted the article and claimed it as a victory - amplifying his own name and brand further.The report incorporates a full response from Samuel Leeds - who strenuously denies using hard sell tactics or that he seeks to suppress criticism – and maintains that his methods are legitimate and work for his many happy customers.This is the story of the immersive power of the influencer ecosystem and the invincibility of the personalities that dominate it. It is a story about the limitations of traditional journalism to cut through the content. It is a story about why this investigation isn’t going to work.Producer: Louise Orchard Presenter: Will Coldwell An ITN production for BBC Radio 4

When a Church of England volunteer in Leicester rejected a proposal to go on a date, it started a (sinister) stalking campaign against him. His stalker was a female preacher. As her harassment worsened, her victim pleaded for help to the police and the Church, including to a cleric tipped to be the Church’s next leader. File on 4 Investigates reveals how their mistakes left the victim feeling they had failed to protect him…

High street gambling venues, known as adult gaming centres, promise a safe and sociable experience; the chance to have a chat, a coffee and a flutter, under the supervision of trained staff. And they’re proving to be popular, with an increasing number springing up across the country, some of which are open 24 hours a day. But File on 4 Investigates hears concerns some venues are failing to protect people struggling with gambling addictions - with devastating consequences. AGC's are supposed to ensure staff are trained to spot problem gamblers and intervene. They also operate a self-exclusion scheme which allows problem gamblers to self-exclude from AGC's. Staff should intervene if they spot somebody who has self-exlcuded and should ask them to leave the premises. It's a sensible plan - but does it actually work? Reporter: Alastair Fee Producer: Ben Robinson Researcher: Michael Gaughan Technical Producer: Nicky Edwards Production Coordinator: Tim Fernley Editor: Carl Johnston

Ketamine was designed as an anaesthetic but its use as a recreational drug is growing fast, particularly among young people. It can have life-changing health consequences, yet the use of the drug increased by 85 per cent between 2023 and 2024. Paul Kenyon investigates the ketamine trade and discovers how tonnes of the drug are able to find their way into the UK undetected. Reporter: Paul Kenyon Producer: Paul Grant Technical producer: James Bradshaw Production coordinator: Tim Fernley Editor: Carl JohnstonDetails of organisations offering support and information with addiction are available at bbc.co.uk/actionline

The market where carbon offsets are bought and sold has been projected to grow and grow, as big companies look to prove they can reach net zero. But where achieving reductions in emissions is impossible or expensive, an alternative is to try and arrange for carbon to be taken out of the atmosphere instead. The markets have thrived on linking buyers of carbon offsets - big firms, and even governments - to development projects in poorer countries, where land and labour for tree planting are cheap.But can these projects be safely verified and measured? Are local communities being exploited to try and make the maths add up? And can the industry afford to admit when a project is underperforming the expectations according to which carbon credits have been sold?Investigative reporter Max de Haldevang hears from experts and individuals directly involved in high profile carbon offset projects to find out.Producer: Robert NicholsonA Whistledown production for BBC Radio 4

How did a former British soldier become an international people smuggler? Annabel Deas investigates, taking us deep into the UK's hidden criminal landscape. From BBC Radio 4 - Shadow World: The Smuggler. Listen to the full series now on BBC Sounds.

Nicola Packer went to Chelsea and Westminster Hospital for help after she delivered a 26-week-old foetus in her bathroom. But she was reported to the police - and arrested as she lay in bed recovering from major surgery. She was then escorted to a waiting police van and forced to spend the night in a police cell. File on 4 Investigates hears her story and reveals how, behind the scenes of the investigation, police had serious concerns over her controversial arrest. She believed she was only six weeks pregnant when she took abortion medication during lockdown - but she was prosecuted anyway. Her ordeal lasted nearly half a decade and, she says, it has had life-changing consequences for her. The case has also led to renewed calls from MP's and health professionals for a change in the law. Reporter: Kate West Producer: Anna Meisel Assistant producers: Jim Booth and Ben Robinson Techincal producer: Richard Hannaford :Production coordinator: Tim Fernley Editor: Carl Johnston

The story of Gisele Pelicot shocked the world. For almost a decade, the 72-year-old French grandmother’s husband Dominique secretly sedated her with sleeping pills and anxiety medication and raped her. He invited fifty other men to rape her too - documenting the abuse in thousands of photographs and videos. Dominique Pelicot has been jailed for 20 years. But Gisele is not alone. One British woman, Kate (not her real name) has told File on 4 Investigates how she confronted the unthinkable – that the man she thought loved her, had been secretly drugging and sexually assaulting her for years. He laced her bedtime cup of tea with medication so he could commit his crimes in secret. Kate talks to reporter Jane Deith about what it’s like to discover you’re married to a monster. Kate’s children describe the devastating impact on learning their father was a rapist. File on 4 investigates hears from the police detective who built the case against Kate’s now ex-husband, and how he almost avoided being brought to justice after the Crown Prosecution Service initially said there wasn’t enough evidence to put him on trial. It was left to Kate to fight the system to get justice – and keep herself safe.File on 4 Investgates discovers domestic spiking is disturbingly common in cases of domestic abuse. One academic has coined the term ‘chemical control ’ to describe the administration of medication to physically subdue women. Unlike physical violence, spiking may leave no trace and hence go unnoticed by victims, the police, doctors, and social workers.A new named offence of spiking is soon to be introduced. But with much of the focus still on spiking in settings like bars and clubs, will it address the threat behind closed doors?Reporter: Jane Deith Producer: Emma Forde Technical Producer: Nicky Edwards Production Coordinator: Tim Fernley Editor: Carl JohnstonIf you've been a victim of sexual abuse or violence, details of help and support are available at bbc.co.uk/actionline

Around the UK, a hidden crisis has been growing over the past eight years.Since the Grenfell Tower fire in 2017, something extraordinary has become clear about many of Britain's high-rise residential buildings. They are nothing like as safe as we had imagined. In fact, the latest statistics show that more than 5,000 high-rise buildings have faults so serious they pose a risk to life. Clearing this up has quietly become one of the biggest infrastructure challenges of our generation, with a bill totalling £16.6 billion and rising, and a project which could continue for the next 20 years.Author and housing journalist Peter Apps investigates the building safety crisis through the story of one building which has many of the problems afflicting places across the country.What is the reality for people living there? Why was it built like this? And with the government's promise of 1.5 million new homes over the next five years, do we risk making the same mistakes again?Presenter: Peter Apps Producer: Ant Adeane Assistant Producer: May Robson Executive Producer: Anishka Sharma Mix: Mike WoolleyA Reduced Listening production for Radio 4