The Last Gamble — Mary Nichols

Miss Helen Sanghurst was shocked when she discovered, after her father's suicide, that he had gambled away her inheritance. It was some relief to find that she had a guardian, even if it meant travelling from London to Scotland.

Needing some peace, she was bent on travelling alone, but coach travel was risky and she was secretly thankful for the protection offered by Captain Duncan Blair, also travelling north. That didn't mean that she was going to reveal her identity to a stranger, no matter how attractive he was....