Miss Annis Wychwood, at twenty-nine, has long been on the shelf, but this bothers her not at all. She is rich and still beautiful and she enjoys living independently in Bath, except for the tiresome female cousin, who her very proper brother insists must live with her.

When Annis offers sanctuary to the very young runaway heiress Miss Lucilla Carleton, no one at all thinks this is a good idea. With the exception of Miss Carleton's overbearing guardian, Mr. Oliver Carleton, whose reputation as the rudest man in London precedes him. Outrageous as he is, the charming Annis ends up finding him absolutely irresistible.