PENNY JORDAN is one of Mills & Boon’s most popular authors. Sadly, Penny died from cancer on 31st December 2011, aged sixtyfive. She leaves an outstanding legacy, having sold over a hundred million books around the world. She wrote a total of one hundred and eighty-seven novels for Mills & Boon, including the phenomenally successful A Perfect Family, To Love, Honour & Betray, The Perfect Sinner and Power Play, which hit the Sunday Times and New York Times bestseller lists. Loved for her distinctive voice, her success was in part because she continually broke boundaries and evolved her writing to keep up with readers’ changing tastes. Publishers Weekly said about Jordan ‘Women everywhere will find pieces of themselves in Jordan’s characters’ and this perhaps explains her enduring appeal.

Although Penny was born in Preston, Lancashire and spent her childhood there, she moved to Cheshire as a teenager and continued to live there for the rest of her life. Following the death of her husband, she moved to the small traditional Cheshire market town on which she based her much-loved Crighton books.

Penny was a member and supporter of the Romantic Novelists’ Association and the Romance Writers of America—two organisations dedicated to providing support for both published and yet-to-bepublished authors. Her significant contribution to women’s fiction was recognised in 2011, when the Romantic Novelists’ Association presented Penny with a Lifetime Achievement Award.

You Owe Me
Penny Jordan

www.millsandboon.co.uk

MILLS & BOON

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CHAPTER ONE

THE letter caught up with Chris in New York. She had been working there for a month—one of her longest spells in one place in nearly six months—modelling clothes for one of New York’s top designers and sandwiching between the shows photographic sessions under her five year contract with a large cosmetics house.

That was the trouble with getting to the top of the modelling profession, she thought wryly, as she let herself into the apartment she had “borrowed” from an American model, for the duration of her assignments in New York—the work came thick and fast, but there wasn’t enough time to do it all. She was twenty-six now; and she had promised herself when she took up modelling she would only stay in it four years. She had been twenty then. Grimacing faintly she bent automatically to retrieve the mail that had slipped from her fingers on to the floor. Her needs were not extravagant, but her aunt’s final illness had been extremely expensive financially. The illness from which her aunt had suffered had been progressive and terminal involving mental as well as physical destruction, and Chris was only thankful that during those final few years her aunt had retreated into a world of her own where the true nature of her own decline was concealed from her. Two months ago her aunt had died, and although now there was no reason for her to continue earning large sums of money, Chris admitted mentally that it was too late for her to change her career. She could model for possibly another four years if she was lucky, and during that time she should earn enough to keep her in comparative comfort for the rest of her life—if she was careful. But what was she going to do with the rest of that life? Seven years ago she thought she had known exactly what course her life would take. Marriage to Slater; children. The smile curving her mouth was totally humourless. So much for dreams. Reality was a far cry from her late teenage hopes.

The midsummer heat of New York had darkened her honey-blonde hair slightly with perspiration. Thank God for air conditioning she reflected as she dropped the mail on the small coffee table and headed for the shower. Being able to lease Kelly Reading’s apartment had been a welcome bonus on this assignment, she was tired of living out of suitcases; of moving from city to city, always the traveller. That was never how she had envisaged her life. It was strange really that she, the stay-at-home one, should have a career that made her travel so widely, whilst Natalie, her restless, will o’ the wisp cousin should have been the one to marry, to have a child.

Frowning Chris stripped the silk suit from her body, the firm curving lines of it too familiar to her to warrant undue attention. In all her years of modelling she had always refused topless and nude shots. And received a good deal of heat from her first agent for it, she remembered wryly. Things were different now. As one of the world’s top models she could pick and choose her assignments and Hedi, her agent, had clear instructions about what she would and would not accept.

As she stepped into the shower stall she swept her hair up into a loose knot. Long and honey-blonde, it was thick and resilient enough to adapt to the different styles she had to adopt. She showered quickly and then stepped out, wrapping her body in a towel before starting to remove her make-up. As always when she had been wearing it for several hours she itched to be free of it. A model girl who hated make-up. She laughed derisively, cleaning eyeshadow from the lid of one sea-green eye. Her beauty lay in her bone structure and her eyes, and was ageless.

Her looks had always been a source of contention between them when she and Natalie were young. Orphaned at five she had been brought up by her aunt and uncle alongside their only child, Natalie, who was two years younger than Chris. Tiny, dainty Natalie, who she had soon learned possessed a cruelly vindictive streak, which she used unmercifully to protect what she considered to be hers, and that had included her parents and all her friends. Chris had not found it easy to accept her unwanted role as “orphan”, and many times during those early days she had retreated to her bedroom to indulge in secret tears when Natalie had taunted her about her orphaned status. “You would have had to go in a home if you hadn’t come here,” had been one of Natalie’s favourite taunts, often with the threat tagged on of “…and if I don’t like you, you will still have to go there.”

Under that threat Chris had weakly, hating herself for her weakness, given in to many forms of blackmail, which ranged from the subtle never-expressed pressure from Natalie that she would always keep herself in the background, to open demands for “loans” from Chris’s pocket money.

Sighing Chris moisturised her skin. She could see now that Nat had just been insecure. There had been a bond between aunt and niece that had never truly existed between mother and daughter. Even in looks she had resembled her aunt, Chris acknowledged, and Natalie with the perception that most children possessed had sensed her mother’s leaning towards her sister’s child and had bitterly resented Chris for it.

Nat, on the other hand had always been her father’s favourite. Uncle Roger had adored his small, dark-haired daughter, “his little pixie fairy” as he had called her. His death in a road accident when Nat was fourteen had severely affected her. Funnily enough she herself had never shared Nat’s deep resentment of their relationship, and as she had grown older she had adopted a protective instinct towards her younger cousin, knowing without anything being said that she was entering a conspiracy with her aunt which involved a constant feeding of Nat’s ego; a never-ending soothing of her insecurities. As a child Nat had grown used to her father describing her as the “prettier” of the two cousins, and with her dark curls and smaller, frail frame she had possessed a pretty delicacy that Chris lacked. When, as a teenager, Chris had started to blossom Natalie had been bitterly resentful.

“Boys hate tall girls,” she had told Chris spitefully. And Chris could still remember the occasion when, one very hot summer, she had been sent for by the Headmistress, because Nat had told her teacher that her cousin bleached her hair, strictly against the rules of the school. In point of fact, its extreme fairness that summer had been the result of more sunshine than usual, and when pressed for an explanation as to why her younger cousin should try to get her into trouble deliberately, Chris had leapt immediately to Natalie’s defence. She could still remember her headmistress’s words on that occasion.

“Chris, my dear,” she had told her firmly, “your desire to protect Natalie is very natural and praiseworthy, but in the long run you would be helping her more if you allowed her to take responsibility for her actions. That’s the only way we learn to think carefully before we commit them.”

Would life have been any different if she had heeded that advice? Grimacing, Chris extracted fresh underwear from the drawer. It took two to commit treachery; Natalie alone could not be blamed for the destruction of all her bright—and foolish—dreams.

It was another half-an-hour before she discovered the letter. She had just mixed herself a cooling fruit drink and sat down, when she caught sight of it, protruding ominously from among a stack of mail, the solicitor’s name and address in one corner, the airmail sticker in the centre.

She had grown used to correspondence with Messrs Smith & Turner during the weeks following her aunt’s death. On her marriage Natalie had deliberately, and to Chris’s mind, quite heartlessly cut off all ties with her mother. “She always loved you best,” she had told Chris spitefully, when she tried to talk to her about it. “I never want to see her again.”

It had been a couple of years after that that Chris had actually noticed the oddness of her aunt’s behaviour and another harrowing seven months before her condition had been correctly diagnosed. The specialist, sympathetic and understanding had told Chris of an excellent nursing home which specialised in such cases, and where her aunt would receive every kindness and the very best of care.

The fees had been astronomical. Chris had written to Natalie, believing that she would want to make her peace with her mother in view of her failing health, but Natalie had never even replied, and it had been more than Chris could have endured to go down to Little Martin and talk to her. In order to pay the nursing home fees she had committed herself to a gruelling number of assignments, and for the last four years she had barely had time to take a breath.

Now it was over, and she presumed the letter from Smith & Turner related to the final details surrounding her aunt’s estate, if her few belongings and the house in Little Martin could be classed as that.

It had come as no surprise to Chris to discover that her aunt had left her the house. She had bought it after Uncle Roger’s death, selling the larger property and investing the difference. Chris had always loved the thatched cottage, despite its many inconveniences, but Nat had hated it. She had never forgave her mother for selling the larger property, and constantly complained about their drop in living standards. In anyone else Chris would have denounced her cousin’s behaviour as brutally selfish, but because of her childhood conditioning Chris was constantly finding mental excuses for her. Although there was one sin she could never forgive her…Idly sliding her nail under the sealed flap she extracted the sheets of paper inside.

Her heart thumped as she read the first line, barely taking in its message, her eyes racing back to the beginning and tracing the words once again. “…regret to inform you of the death of your cousin, Natalie James ne´e Bolton, and would inform you that…”

Without reading any further Chris lifted her eyes from the paper. Natalie dead! She couldn’t believe it. She was only twenty-four. What had happened?

She glanced at the date on the letter and her heart dropped sickeningly. Natalie had been dead for six weeks! Six weeks, during which she had travelled from Nassau to Rio, then on to Cannes and finally to New York.

She dropped the letter on the floor, filled with a mixture of nausea and guilt. How often during the last seven years had she wished Natalie out of existence? How often had she prayed that she might wake up and discover that what had happened was all just a nightmare? Only now could she admit to herself the frequency of such thoughts, generally after she had just had to point out to yet another male that being a model did not mean that she was also available as a bed mate. She had never wanted her present life; it had been thrust upon her in a manner of speaking; a means of salvaging her pride and her dignity, and also a means of…of what? Escaping her own pain?

No. Not entirely. Deep inside her had been the unacknowledged thought that by leaving somehow she was giving something to Natalie’s unborn child—Slater’s child. The child that should have been hers.

The doorbell rang and she slipped the intercom switch automatically, shocked out of her involvement with the past when she heard Danny’s familiar New York accent.

“Danny, I’m not ready yet,” she apologised. In point of fact she had lost what little desire she had possessed to go out with the brash New Yorker, who had forced his way into her life three weeks ago. Tall, fair, good looking, and well aware of his attractions Danny had been chasing her from the moment of her arrival, and was, Chris was certain, supremely confident that in the end he would catch her. She, however, had other ideas. Charming though Danny was he couldn’t touch the deep inner core she had learned to protect from the world. No man had touched that since Slater.

Ten minutes later she was down in the lobby with Danny, the poise she had learned over the years covering the innate inner turmoil.

They were dining out with a business associate of Danny’s. He wanted to show her off like a child with a new and status-symbol toy, it was an attitude she had grown accustomed to.

They were to go to a chic, “in” restaurant, which would be full of New York glitterati, and Chris’s spirits sank as she got into the taxi. Natalie dead! Even now she could not take it in. What had happened? She wished now she had read the letter more fully, but she had been simply too stunned. She supposed it was natural that the solicitors should write to her as Natalie’s closest blood relative after her daughter. She knew that Natalie had had a girl, her aunt had told her, wistfully, longing for an opportunity to see her only grandchild, but knowing it would be denied her.

If it hadn’t been for Ray Thornton, she herself would have had to stay in Little Martin, enduring the sight of Natalie living with Slater as his wife. She had a lot to thank Ray for. Slater had never liked him. “Flash” he had called him, and in a way it was true. Ray had made his money promoting pop stars. He had been thirty-one to Slater’s twenty-five then, fresh from the London “scene” and defiantly brash. She had liked him despite it, although then she had turned down the job he had offered her in the new club he was opening in London. She had then only known him a matter of months and yet he had been the one she had turned to that night, when she had discovered Natalie in Slater’s arms. He had comforted her bracingly then, just as he had done when Natalie announced her pregnancy. It was Ray who had told her she ought to become a model. It was Ray who had introduced her to the principal of the very select London modelling school were she had trained. “A little too old for a beginner” was how Madame had described her, but she had more than repaid Ray’s faith in her. For a while he had pursued her, but only half-heartedly, recognising that she was still far too bruised to contemplate putting anyone else in Slater’s place. They had kept in touch. Ray was married now and lived in California. Chris liked his wife and he had the most adorable two-year-old son.

The evening dragged on interminably. Chris was aware of the sharp, almost disapproving looks Danny was giving her, and made an effort to join in the conversation. The other two men and their wives were obviously impressed both by Danny and the restaurant. Two out of the three wasn’t bad averaging, Chris thought cynically, wondering what sort of deal Danny was hoping to arrange with these two very proper Mid-Western Americans and their wives. Danny was a wheeler-dealer in the best sense of the word; he thrived on challenge and crises.

Chris could tell he was still annoyed with her when he took her home. He wanted to come in with her, but she told him firmly in the taxi that he could not. His brief infatuation with her was nearly over, she recognised when he let her get out of the cab, but then what had she expected? It was hardly Danny’s fault that she didn’t live up to her image. She had grown used to seeing her photograph plastered over the gossip press, generally with that of a casual date, nearly always referred to as her latest “conquest”. What would those editors say if they knew that in actual fact she was still a virgin?

The thought made her wince. That she was, was only by virtue of the fact that Natalie had interrupted Slater’s lovemaking. He had cursed her cousin that day. They had thought themselves alone at his house. He had rung Chris at home just before lunch, and the sound of his voice had sent shivers running down her spine. She had known him a long time. His father had been friendly with her uncle, but he had been away at University and then he had worked in Australia for a couple of years preparing himself for his eventual take-over of his father’s farm machinery company. His father had died of a heart attack very unexpectedly and he had come home; tanned, dark-haired, hardened by physical work, Chris had felt an immediate attraction to him.

She had been nineteen, and falling in love with him was the most exhilarating, frightening thing she had ever experienced. She had thought he loved her too. He had told her he did; he had spoken about the future as though it was his intention that they shared it, but in the end it had all meant nothing.

She ought to have guessed that day when Natalie suddenly appeared unexpectedly, but she had simply thought of it as another example of her cousin’s bitter jealousy of her.

She had been on holiday from her job in a local travel agents. Slater had rung her at home, suggesting they met for lunch, but when he picked her up, he had told her throatily that the only thing he was hungry for was her. She could remember her excitement even now, she could almost taste the exhilarating fizz of sexual desire and intense adoration. They had gone back to his house—he had inherited it from his father along with the family business; a gracious late Georgian atmosphere that Chris loved. She hadn’t considered then how wealthy Slater was; she had simply been a girl deeply in love for the first time in her life. If Slater had taken her to the tiniest of terraced houses she would have felt the same.

They hadn’t even waited to go upstairs, she remembered painfully. Slater had opened the door to the comfortable living room, and she had been in his arms before it closed behind them, eagerly responding to his kisses, trembling with the desire surging through her body.

They had kissed before, and he had caressed her, but they had never actually made love. Slater knew that she was a virgin. He had asked her, and she had answered him honestly. She had imagined then there had been tenderness as well as anticipation in his eyes but of course, imagination was all it had been. They had been lying on the settee when they were interrupted by Natalie. Chris’s blouse had been unfastened, her breasts tender and aroused by Slater’s kisses. Natalie had burst in on them completely unexpectedly, half hysterical as she accused Chris of deliberately misleading her about her plans for the day. The only way Chris had been able to calm her down was to go home with her. Slater, she remembered had been tautly angry, and she had thought then it was because he resented her concern for Natalie. Had he even then been making love to her cousin as well? What would have happened if Natalie had not interrupted when she did? What would he have done if he made both of them pregnant? Hysterical tension bubbled painfully in her throat. Perhaps they could have tossed a coin for him?

The pain grew sharper and she suppressed it from force of habit. Dear God, even now after seven years, the thought of him still made her ache, both emotionally and physically. She had never truly got over him—or more truthfully, she had never truly recovered from the blow of discovering he was not the man she had believed. Not only had she suffered a gruelling sense of rejection, she had also to endure the knowledge that her judgment was grossly at fault.

She would never forget the day Natalie came to her and told her the truth. It was just a week after she had seen her cousin in Slater’s arms.

She had been working all day, and normally Slater picked her up after work. On this occasion though, the girl she worked with told her that Slater’s secretary had rung and left a message asking her to go straight round to his house.

She had no car of her own, and it was a two mile walk, but Chris had been too much in love to consider that much of an obstacle. At Slater’s house they would be alone. Something he had seemed to avoid since Natalie interrupted them. She knew he was having problems with the company; a matter of securing a very important order which was vital to its continued existence and had put his behaviour down to this.

His car had been parked in the drive when she arrived, and for some reason, which even now she could not really understand, instead of ringing the front door bell she had decide to surprise him by walking in through the sitting room and gave her an uninterrupted view of the settee and its occupants. Her whole body had gone cold as she recognised her cousin’s dark head nestled against Slater’s shoulder, her arms were round his neck, his head bent over hers. Chris hadn’t waited to see any more. On shaky legs she had walked away, dizzy with sickness and pain, unable to come to terms with what she had just witnessed.

She went home and rang Slater from there to tell him that she wasn’t feeling well, hoping against hope he would mention Natalie’s presence; that there was some explanation for what she had seen, other than the obvious, but he hadn’t.

Natalie had returned many hours later, her face pale, and her eyes smudged, her whole bearing one of vindictive triumph and Chris knew that somehow Natalie knew what she had witnessed. It was never mentioned by either of them, at least not then, and Chris had determinedly refused to accept any of Slater’s calls in the week that followed, too hurt to even confide in her aunt. Later she was glad she had not done so.

Never in a thousand years would she forget her shock and pain when Natalie came home and announced that she was expecting Slater’s child. She had only told Chris at that stage, gloating over her pain, violently triumphant, almost hysterical with pleasure. Her cousin had always been volatile, Chris remembered, always subject to emotional “highs” and “lows”; dangerously so, perhaps.

She had not got in touch with Slater. The only thing left for her now was her pride and her profound thankfulness that she would not share Natalie’s fate; at least she had told herself it was thankfulness. Even now pain speared her when she thought of Slater’s child, but she dismissed it, forcing herself to remember the events of that traumatic day.

Just as soon as she could escape from Natalie she had gone out, simply walking herself into a state of numb exhaustion, and that was how Ray had found her. She hadn’t even realised how far she had walked or that it was getting dark. He had taken her home with him, and although he had questioned her closely, all she would tell him was that she wanted to get away from Little Martin. That was when he had made his suggestion that she should take up modelling as a career. Previously she had only known him casually, but now she found him a warm and helpful friend. When Chris mentioned Natalie’s name briefly, not wanting to tell him the truth, Ray had looked angry, and she had gained the impression that he did not like her. That alone had been sufficient to underwrite her trust in him, and it was a trust that had never been misplaced, unlike that she had had for Slater.

She had left that night for London with Ray, and had written to her aunt the next day, explaining that she had worried that her aunt might dissuade her from leaving, giving this as an explanation for her unplanned departure.

A month later Natalie and Slater were married. Her aunt was both stunned and concerned. “She’s so young, Chris,” she had sighed, “far too young for marriage, but perhaps Slater…” she had broken off to frown and say quietly. “My dear I know that you and Slater…”

“We’re friends, nothing more,” Chris had quickly assured her, hastily changing the subject, telling her aunt about her new life and making it sound far more exciting than it actually was.

She had worked hard for two years, before suddenly becoming noticed, and was now glad that she had not accepted any of the more dubious assignments that had come her way in those early days. No magazine was ever going to be able to print “girly” photographs of her simply because none had ever been taken.

She had heard from Natalie once, that was all. A taunting letter, describing in detail her happiness with Slater, and his with her.

“It was very wise of you to leave when you did,” Natalie had written. “You saved Slater the necessity of telling you he didn’t want you any more.”

Chris hadn’t bothered replying and she had never heard from either of them since. Now Natalie was dead.

It took her a long time to get to sleep, images from the past haunting her, and then when, at last she did, the impatient jangling of the telephone roused her.

Her room was in darkness, and for a few seconds she was too disorientated to do anything but simply listen to the shrill summons of the ’phone.

At last she made a move to answer it. The crisply precise English accent on the other end of the line surprised her by sounding almost unfamiliar, making her remember how long it was since she had visited her own country. “I have Mr Smith for you,” the crisp voice announced, the line going dead, before Chris heard the ponderous tones of her aunt’s solicitor.

“Chris my dear how are you?”

“Half asleep,” she told him drily. “Do you realise what time it is here?”

“And do you realise we’ve been trying to get in touch with you for the last six weeks,” he retaliated. “I’ve practically had to subpoena your agent to get this address out of her. Chris, it isn’t like you to be so dilatory…I’d expected to hear from you before now.”

He must mean about Natalie’s death, Chris realised, suddenly coming awake.

“I only got your letter today,” she told him. “It must have been following me round. What happened? How did Natalie…?”

“The coroner’s verdict was suicide while the balance of her mind was disturbed,” she heard Tom Smith saying, the words reaching her stupefied brain only very slowly. “I did tell you that in my letter, my dear. Your cousin always was a mite unbalanced, I’m afraid. Your aunt recognised that fact and it used to cause her considerable concern. Roger’s mother had a similar temperament.”

Since Tom Smith had known the family for many years Chris did not dispute his comments. Suicide! The word seemed to reverberate painfully inside her skull, resurrecting all her childhood protective instincts towards her cousin. “Why? Natalie had had everything to live for, a husband, a child…”

“It seems that your cousin had been suffering from depression for a long time.” Tom Smith further shocked her by saying. Remorse, hot and sharp, seared through her. Had Natalie needed her, wanted her? Could she have helped her cousin. Pain mingled with guilt; her animosity towards Natalie forgotten, all her bitterness directed towards Slater. Perhaps he had been as unfaithful to Nat as he had her? She should never have blamed her cousin for what had happened; Nat had been an impressionable seventeen, Slater a mature twenty-five. Hatred burned white hot inside her, he had robbed her of everything she thought childishly, all her illusions; her unborn children, and now her only relative. No, not quite her only relative, she realised frowning. There was Nat’s little girl…Sophie.

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