The Pebble Bank — Sheila Spencer-smith

Cara Karrivick and her twin sister never knew they had any family on their father's side. But when Cara and Arlene inherit their grandparents' cottage in Polmerrick, Cara visits the house and is delighted when she uncovers so many family secrets. She meets the rather hostile Josh Pellew, but it doesn't spoil her dream of living there. However, as Cara discovers her grandmother's family record, disaster strikes. Can Josh be the one to help her to realise her dream?