Following a recent discussion herewith now a summary and the necessary files to fix the issue.
Note: this issue is only applicable to the Steam version of the game!
Underneath a look at the problem (pics by 4zumi):
Spoiler for black settlements:
The only way to solve this is to add the settlement folder from the disk version. The installer will provide a BAT\CFG file combo and a desktop shortcut with which to start\run the relevant campaign after the files have been installed.
InstallationSimply run the installers and follow the instructions displayed - it should be a simple click through affair.
Link to Installers