When Nell participates in a transatlantic house-swap, going to stay in New England on the beautiful Barratt Island for three months, she hopes to escape the shame she left behind in Derbyshire. She soon meets gorgeous police chief Colm Barratt - and scheming socialite Julia Silkwood, whose husband's health seems to be failing suspiciously quickly. With Nell's overactive imagination running riot, and her past about to catch up with her, she fears she could lose Colm forever.