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Chapter One

‘SO, what are you going to do, then?’ Charley asked anxiously.

Lizzie looked at her younger sisters, the familiar need to protect them, no matter what the cost to herself, stiffening her resolve.

‘There is only one thing I can do,’ she answered. ‘I shall have to go.’

‘What? Fly out to Thessalonica?’

‘It’s the only way.’

‘But we haven’t got any money.’

That was Ruby, the baby of the family at twenty-two, sitting at the kitchen table while her five-year-old twin sons, who had been allowed a rare extra half an hour of television, sat uncharacteristically quietly in the other room, so that the sisters could discuss the problems threatening them.

No, they hadn’t got any money—and that was her fault, Lizzie acknowledged guiltily.

Six years earlier, when their parents had died together, drowned by a freak wave whilst they were on holiday, Lizzie had promised herself that she would do everything she could to keep the family together. She had left university, and had been working for a prestigious London-based interior design partnership, in pursuit of her dream of getting a job as a set designer. Charley had just started university, and Ruby had been waiting to sit her GCSE exams.

Theirs had been a close and loving family, and the shock of losing their parents had been overwhelming—especially for Ruby, who, in her despair, had sought the love and reassurance she so desperately needed in the arms of the man who had abandoned her and left her pregnant with the adored twin boys.

There had been other shocks for them to face, though. Their handsome, wonderful father and their pretty, loving mother, who had created for them the almost fairytale world of happiness in which the family had lived, had done just that—lived in a fairytale which had little or no foundation in reality.

The beautiful Georgian rectory in the small Cheshire village in which they had grown up had been heavily mortgaged, their parents had not had any life insurance, and they had had large debts. In the end there had been no alternative but for their lovely family home to be sold, so those debts could be paid off.

With the property market booming, and her need to do everything she could to support and protect her sisters, Lizzie had used her small savings to set up in business on her own in an up-and-coming area south of Manchester—Charley would be able to continue with her studies at Manchester University, Ruby could have a fresh start, and she could establish a business which would support them all.

At first things had gone well. Lizzie had won contracts to model the interiors of several new building developments, and from that had come commissions from home-buyers to design the interiors of the properties they had bought. Off the back of that success Lizzie had taken the opportunity to buy a much larger house from one of the developers for whom she’d worked—with, of course, a much larger mortgage. It had seem to make sense at the time—after all, with the twins and the three of them they’d definitely needed the space, just as they had needed a large four-wheel drive vehicle. She used it to visit the sites on which she worked, and Ruby used it to take the boys to school. In addition to that her clients, a small local firm, had been pressuring her to buy, so that they could wind up the development and move on to a new site.

But then had come the credit crunch, and overnight almost everything had changed. The bottom had dropped out of the property market, meaning that they were unable to trade down and reduce the mortgage because of the value of the house had decreased so much, and with that of course Lizzie’s commissions had dried up. The money she had been putting away in a special savings account had not increased anything like as much as she had expected, and financially things had suddenly become very dark indeed.