Matthew had fallen for Georgia the moment he sat opposite her on a train. Accidentally walking off with the wrong mobile phone gave him the ideal opportunity to see her again.

After her late husband had left her with a pile of debts, Georgia had a phobia about having a man in her life. Matthew Fraser might have been rich, he might have been wonderful with her kids, he might have continually come to her rescue… But no, she wouldn't be swayed; she wouldn't let this man under her skin.

But Matthew was a patient man, and equally determined…