Victoria Owens is determined to collect her deceased uncle’s inheritance and return home to pay her debtors. But when she meets the solicitor, he tells her about the stipulation in Lord Hollingsworth’s will. She must work as Major Cole Baldwin’s housekeeper for one year before she can get a shilling. Her sister’s life is at stake and Victoria needs the money fast. Before she can meet the major, she’s involved in an accident and loses her memory. Cole returns home wounded from the military, only to discover he must settle a debt that his father had made with Lord Hollingsworth—even though both men are deceased. Cole must allow the deceitful man’s niece to come to the estate and work as his housekeeper. Cole has also invited his dead wife’s daughter whom he’s never met, Victoria Hampton, to assist him with Hollingsworth’s niece. But an accident happens at the docks, and the woman he thinks is his wife’s daughter has lost her memory. Perhaps this is a good thing since there are secrets in his own life that he’s not willing to share.