A threatening phone call, a dishonest colleague and a murdered debt collector? It's just another day at the bank for private investigator Rose Bennett.

A cruel November sleet is blowing off the North Sea when debt collector Andy Miller’s body is found outside his Scarborough mansion flat, crushed under the wheels of his own BMW. There’s no question that Andy was murdered, and as the repercussions of his death ripple out across the bank where he worked, they hit those around him hard. His girlfriend is inconsolable, his best friend is bereft and his best friend’s girlfriend … well, she used to be Andy’s girlfriend, so things are complicated.

It’s complicated for Rose Bennett, too. Dispatched north to Scarborough to investigate a customer harassment case against the East & Northern Bank, Andy Miller’s death brings a most unwelcome twist to her investigation. When it comes to murder, Rose doesn’t claim to be an expert. But she knows about human nature, and she knows when people are lying. And as she steps in to help DI George Mulligan bring Andy’s killer to justice, old crimes at the bank begin to surface, and it soon becomes clear that not everyone who claimed to love Andy Miller was telling the truth.