A quiet Saturday morning. A solitary cyclist hurtles down a Cotswold lane, before being hit by an oncoming lorry. Robbie Hartley survives, but his near-fatal accident ignites a chain of revelations that will shake his daughter Jilly to her core. Determined to uncover the truth, Jilly follows the tangled threads of Robbie's past: the elite, secretive world of St Luke's School; the shadowy networks of high-stakes finance; Russian sanction busting and the unresolved vendettas that have festered for decades. Among them, Andrew Small, a man whose manipulations destroyed lives, and a mysterious visitor to the unconscious Robbie in hospital. Assisted by her former lover Nick, a brilliant tech sleuth, and the conflicted Lewis, her new love, whose own family's dark history is now erupting into violence, Jilly confronts enemies both old and dangerously close to home. Settling Accounts is a gripping thriller of bullying, betrayal, corporate greed, and moral reckoning across England, The Netherlands and South Africa. As secrets long thought buried come to light, Jilly must navigate a world where family loyalty, financial intrigue, and moral reckoning collide and uncovering the truth comes at the highest cost.