Lady Pamela and the Gambler by Callie Hutton

Should she live in fear, or turn to the man who she once rejected?
Lady Pamela Manning has happily made her home in Bath after several disastrous Seasons in London. Although she sings like an angel, Pamela cannot complete a full sentence without stuttering.
The life of a social recluse with two friends whom she adores is fine with her, and she easily dismisses the attentions of Mr. Nicolas Smith, the owner of an exclusive gambling club in Bath. However, something strange is going on in the boarding house where she lives, and she is afraid she has accidentally stumbled into a dangerous situation.
Who else can she turn to, except a man who grew up on the streets and the most likely person to help and protect her?
Mr. Nicolas Smith.