When Natalie Scott decides to rent a seaside cottage for six months after the death of her mother, she just wants peace and quiet. Instead she gets a barrel-load of trouble; first from Karl Messer, who won't let her rent the cottage unless she goes out with him; then from her brother, Trevor, who won't let her take his guard dog for protection. But worst of all is the resident ghost, Sean O'Shea, who falls in love with her. And finally her ex-boyfriend, Rick Dalton, marches back into her life wanting to take up where they left off. What's a girl to do with a greiving brother, a rich lover with a haunted past of his own, a 100 year old ghost, and a demanding ex? Should Natalie run for cover, or stay to sort these four men out once and for all?