File on 4 Investigates

Felicity Hannah explores how climate change is leaving communities 'uninsurable' because of the rising risk of them being hit by extreme weather events.

She speaks to one businessman living in 'Hurricane Alley' in Louisiana, who has seen his premiums rise by $200,000 in just three years, and learns how many residents are now having to run the risk of living without insurance, because the cost is just too high.

In Australia, she speaks to residents resigned to the fact that their hometown is considered too much of a risk for the insurance industry. Instead, the government has bought their homes and they have been forced to leave.

In the UK too, Felicity meets business owners already deemed 'uninsurable' because of the frequency of flooding they have faced. Meanwhile British homeowners relying on a temporary fix that has helped reduce their premiums must hope flood defences are built before time runs out.

Could rising premiums be the canary in the coalmine for taking more decisive action on climate change?

Presenter: Felicity Hannah

File on 4 reveals how hundreds of vulnerable women and children are being trafficked to the UK by organised crime gangs to work as shoplifters. The victims are forced to live in squalor in overcrowded houses in England, Scotland and Northern Ireland. Investigators have discovered there are 154 known members of one gang which is making millions for the gangmasters from Eastern Europe. High street stores have reported a 25 per cent increase in the number of shoplifting incidents over the last year.

Reporter: Datshiane Navanayagam

Lucy Letby was allowed to continue working with new-born babies despite her colleagues raising concerns about her for months. Her conviction highlighted how NHS executives put the reputation of the Countess of Chester NHS Trust ahead of patient safety. But what happened in Cheshire was far from a one-off. File on 4 hears from doctors with unblemished medical careers who were sacked after raising patient safety concerns. The programme follows one medic through an Employment Tribunal as he attempts to save his career, and hears the emotional, brutal toll the process takes on him. For the first time, a top doctor who won record damages talks about the extraordinary steps her managers took to undermine her. Their tactics included relocating her to an empty office with a broken chair and telling colleagues that she agreed with their assessment she was incompetent. And a former NHS executive tells the programme that trusts are more interested in “flying LGBT flags” than tackling concerns about patient safety. With widespread calls for NHS managers to be regulated, File on 4 asks who should take on the role, given the willingness of the NHS to redeploy managers found to have ignored patient safety concerns, or even punished those who dared to raise them.

Reporter: Michael Buchanan

Artificial intelligence, or AI, makes it possible for machines to learn - and in the future it will perform many tasks now done by humans. But are criminals and bad actors ahead of the curve? AI is already being used to commit fraud and other crimes by generating fake videos and audio; fast emerging threats that form just part of a potential new crime wave. File on 4 investigates.

Reporter: Paul Connolly

When people who don't speak English, including refugees arriving in the UK after fleeing war, they are entitled to receive the support of interpreters when dealing with public sector organisations.

Reporter: Matthew Hill

As a young person, Ellen Macleod wasn’t sure whether her disabilities would mean she could never have sex so she turned to the internet. There she found porn featuring disabled adults, but those films threw up dark questions around consent, exploitation and whether disabled people were being made the involuntary subject of a fetish.

Now Ellen has teamed up with journalist Nastaran Tavakoli Far to investigate whether what she saw online was extreme role play or very real abuse.

Ellen and Nas speak to disabled adult content creators, as well as safeguarding and legal experts to explore how society protects vulnerable adults, and what many of us get wrong about sex and disability.

If you have been affected by sexual abuse or violence, details of help and support is available at bbc.co.uk/actionline

Presenters: Ellen Macleod and Nastaran Tavakoli-Far

An Audio Always production for BBC Radio 4

File on 4 highlights one fraud phone call, in order to shine a light on how scammers work. A man rings a company pretending to be from the bank. How does he persuade a victim he is legitimate? We consider the psychological, financial and emotional impact fraud has on those involved, and we hear from experts hunting the perpetrators.

Producer: Vicky Carter

The collapse of retail giant Wilko in September left 12,500 people out of work across the UK.

No area has been harder hit by the redundancies than the Nottinghamshire town of Worksop, where Wilko employed 1,200 people at its head office, shop and distribution centre.

Citizen's Advice has been helping those affected warning that debt in the town was at a record level before the collapse and has doubled since this time last year.

Reporter Jane Deith has been following the lives of several former Wilko staff as they attempt to find new jobs.

Producer: Matt Pintus

A perfect storm of equal pay claims and a huge overspend on an IT project has brought Europe’s largest local authority to its knees. But how did Birmingham go from the triumph of hosting the Commonwealth Games to financial ruin in just over a year? Adrian Goldberg investigates for File on 4.

Producer: Phil Marzouk

The Manchester Arena terrorist attack in 2017 left 22 people dead and more than a thousand injured. The subsequent inquiry found security arrangements were lacking with some security staff admitting they were untrained in vital procedures. File on 4 goes undercover to reveal how, despite assurances the industry has tightened up procedures, some training companies are offering 'fast-track' courses which don't comply with regulations. the programme also reveals how candidates are told to falsifty time sheets and are given the answers to a final examination to ensure they pass and can subsequently work in an industry which is supposed to keep the public safe.