As Scotland emerges from one of the most challenging winters in NHS history, Mark Daly finds patients borrowing cash and dipping into savings to go private, and even travelling abroad for vital surgery.
Healthcare is meant to be free for all of us at the point of use, but growing numbers of patients face long waits to access the care they need.

NHS staff tell their stories from the frontline and explain why many medics are breaking down under the strain of the current crisis.

Disclosure investigates the companies that deal in debt. With the cost of living crisis hitting hard, more and more people are struggling to pay what they owe. Reporter Samantha Poling lifts the lid on the multi-million pound trade in debt management and reveals the often unscrupulous tactics being used to target the vulnerable.

From aggressive social media marketing to faking ‘clients', The Debt Dealers tracks down the predatory businesses who are making money out of misery and meets those for whom the financial ‘solution' has turned into a nightmare.