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.

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.

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 Honourable Christopher Fancot, on leave from the diplomatic service in the summer of 1817, is startled to find his entrancing but incorrigibly extravagant mother on the brink of financial and social ruin - and more than alarmed to find that his twin, Evelyn, has disappeared without trace. Christopher - Kit - is forced into an outrageous masquerade by the tangled affairs of his wayward family: his rigid uncle, Lord Brumby; the surprisingly wily Sir Bonamy Ripple; the formidable old Lady Stavely and Evelyn's betrothed, Cressy.

Charity Steane has nothing in the world but hope. Escaping a miserable life under her tyrannical aunt, she decides to take her chances with her estranged grandfather in London. Now it's just a matter of finding him.... And as a 'charity girl' with no dowry and no options, hope can only get her so far. But with the help of the dashing and kind-hearted Desford and his dearest friend Hetta, it seems like Charity's fortunes might be about to change. That is, until the surprise appearance of a long-lost relative throws things into chaos.