The Third Life — Caroline Gray

Pounds. Everybody assumes that Julie knows where the money is and her life turns into a nightmare as the pressure to find the missing fortune increases.

Twenty-one-year-old Julie Allen is the novel's heroine and naif, educated in a Swiss boarding school, motherless , and entirely ignorant of her father's other life as the kingpin of the Association--until she's called home to London to identify his body at the morgue. He's been murdered by his underworld cohorts because he's had his hand in the till--to the tune of 20 million. Too many people turn up to help Julie, including Major Roberts (or Uncle Bob)--who claims to be an old friend of her father's--and young Teddy Longman, an American student who happened upon Papa Allen's body while walking on the moors. Both try to ensnare her with kisses, but she falls for Teddy, and marries him just as she begins to learn the truth about her father.