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 stipulations in her uncle's will. She must work as Major Cole Baldwin's housekeeper for one year before she can get a shilling. But before she meets the major, she's involved in an accident and loses her memory.
Cole returns home from the military only to learn he must settle a debt that his father 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 who he's never met to come to the estate to live. But when an accident happens at the docks, the woman he thinks is his wife's daughter has lost her memory. Perhaps that's a good thing since there are secrets in his own life he's not willing to share.