I've read some books by this author and I liked quite a few of them just fine. Since they released quite a number of books basically at the same time, I can't really tell if the problems I had with this one can be attributed to being an early book. I hope so. Because... *sigh*.
a) Insta-love, add hot water and stir.
b) Big miscommunication. They'd have had to be blind and deaf in the early 19th century to be less able to communicate with each other. Good grief!
c) Shoddy, shoddy research (read as - none). 4,000 pounds in the Regency era is a whole shedload of money. Enough, actually, to lead a quietly respectable (if modest) life on the interest alone for basically forever - without even having to get an occupation! In Jane Austen novels interest is evaluated at about 4%, so that would make it a whopping 160 pounds per year. To put this into perspective - a female servant during the Regency period would get about 5 to 15 pounds per year, a male servant 20 to 60 pounds (of course). Even after thingy happens and Jim's funds are drastically diminished, he wouldn't have been destitute. Far from it.
I'm sorry but I can't un-know this. I knew it and then a lazy Google search reaffirmed it.
So, eh, sorry, not my jam. The writing is decent but... nope.