Elyss came to London five months ago and lives with two roommates. One night one of her roommates borrows her car and accidentally crashes is into a very expensive high-end sports car, but because she purchased the cheapest insurance plan available, it will not cover her friend's mistake. Since she cannot afford to repair both cars, she meets with Saul Pendleton, the owner of the sports car, to see if they can work out a deal. Saul, who finds the brave and honest Elyss charming, asks her to act as his temporary girlfriend in exchange for clearing her entire debt!