Adam Deveril, the new Viscount Lynton and a hero at Salamanca, returns from the Peninsula War to find his family on the brink of ruin and the broad acres of his ancestral home mortgaged to the hilt. It is Lord Oversley, father of Adam's first love, who tactfully introduces him to Mr Jonathan Chaleigh, a city man of apparently unlimited wealth with no social ambitions for himself, but with his eyes firmly fixed on a suitable match for his one and only daughter.

Annis Wychwood delights in her independence. Beautiful, rich and far too busy for love, she has turned down the advances of many a hopeful suitor. But when she becomes entangled in the affairs of a runaway heiress, she encounters the girl's guardian, the notorious Oliver Carleton. While Oliver may be a reckless and uncivil rogue, Annis can't help but be drawn towards his wild ways.

Horry Winwood doesn't play by the rules. So when her family are near ruin and her sister is about to enter a loveless marriage to a wealthy man to settle the family debts, young and headstrong Horry proposes to marry him instead. As her new husband's attentions fall elsewhere, Horry feels increasingly unhappy. Then she meets the attractive and dangerous Lord Lethbridge, and her days suddenly become more exciting. But there is bad blood between Horry's husband and Lord Lethbridge, and as complications and deceptions mount, the social tangle grows ever trickier to unpick.

The legend of the Headless Horseman and a proposed marriage de convenance both have their impact on the mystery of a golden talisman ring and Lord Lavenham's young heir, Ludovic. Neither Sir Tristram Shield nor Eustacie, his young French cousin, shares the slightest inclination to marry one another, yet it is Lord Lavenham's dying wish. For there is no one else to provide for the old man's granddaughter while Ludovic remains a fugitive from justice.

Miles from anywhere, the isolated mansion Darracott Place is presided over by the irascible Lord Darracott. The recent drowning of his eldest son has done nothing to improve his temper. For now he must send for the unknown offspring of the uncle whom the family are never permitted to mention. Yet none of that beleaguered family are prepared for the arrival of the weaver's brat and heir apparent.