In the second of a two part series on the social care crisis, Panorama exposes a chaotic system on the brink of crisis. With more and more care homes closing, and a national shortage of carers, social affairs correspondent Alison Holt meets vulnerable people threatened with selling their homes to pay for their care, and their families battling the funding system. She tells the devastating stories of elderly people with no-one for fight for them and asks why successive governments have failed to reform a system experienced by so many as unfair, confusing and sometimes cruel.

Where are people on low incomes turning to in the wake of the collapse of the payday lender Wonga? Fiona Phillips investigates some of the lenders who seem to have stepped into the breach, asking why the cap on payday loans that marked the beginning of the end for Wonga doesn't apply to other types of lending and whether it is still too easy to get what ends up being expensive credit?