The solitary wanderer who introduces each tale through letters to his friend reflects on the previous tale about Sir Mordaunt and insists that Catholicism was the root of the problem. He then talks of a friend from Jamaica he has recently re-encountered, Mr Denbigh, who is now married to an interesting wife. He relates their history.
Henrietta (now Mrs Denbigh) was the daughter of a Jamaican plantation owner, sent to England to be educated by her aunt. On the death of her aunt (in England) and brother (in Jamaica) her father summons her to Jamaica. In the meantime she has fallen in love with Mr Denbigh, but an officious friend keeps him at a distance and he ends up travelling in a different boat which is blown of course and seized by pirates.
The story is then told in the first person from Henrietta's perspective. On arrival in Jamaica she is horrified to find that her father is cold and despotic and that she has many half-siblings by slave women. Her father intends her to marry a Mr Sawkins over whom he has complete control, and she attempts to flee. The narrative then switches back to Denbigh who arrives in Jamaica and tries to find her, but is nearly killed by the savage Maroons. He eventually meets up with her in the spartan home of a recluse, and is delighted but also fearful that she has been ruined having been for several days the captive of the Maroons.
The story then diverts into a lengthy backstory of the recluse, who proves to be Henrietta's uncle. He married young and happily but his wife became corrupted by London society and he divorced her, remarrying a woman who proved to be jealous and spiteful. His son was murdered by an relation of his new wife and he now has nothing to live for so decided to come to Jamaica where he has estates in order to help the anti-slavery movement, although it turns out he can do little directly because of local vested interests.
Finally the narrative switches back to Henrietta. After she escaped her father, her faithful negro servant, Ampanorah, declared his love for her but was fortuitously killed by the Maroons. The Maroon chief planned to make her his new wife, but the jealous existing wives released her because they did not want the competition. Hence she has not been ruined, and marries Denbigh and they appear to be happy.
There are several interesting themes in the novel: there is quite a strong emphasis on education, and particularly the damaging effects of private schools. There is also definitely a political current with some anti-slavery messages (although also, probably inevitably, some rather unpleasant descriptions of the savagery of the Maroons).
Structurally, it's interesting because although the Jamaica stuff is quite gripping, it feels as though Smith did not have enough of it and so padded it out with the uncle's lengthy backstory, which is set in England and quite ordinary.
Note that while Volumes 1 and 2 of this collection of novellas have interesting dialect representation (and both are recorded as separate records in this database), Volume 3 is set in France and does not use dialect at all, although there is an interesting comment on p. 292 about the use of French words in English ('disgusting!')

A minor character is a sea captain who speaks 'seafarer'. Other than that the main interest is in (1) the small number of Jamaican characters who speak various creole-infused varieties of English (2) the frequent use of Jamaican words (sometimes with explanation, sometimes without) in the main narrative.