Charmian meets Ronnie Biggs on a train. As Ronnie is a carpenter and petty criminal, Charmian's father, a headmaster, does not approve and forbids her to see him. In love, Charmian leaves home, steals from her employer and goes on the run with Ronnie and his best friend Mike. When captured, Biggs is imprisoned and Charmian is given a suspended sentence. On release, Charmian and Ronnie marry, her pregnancy forcing her father's approval. Going straight but needing money, unbeknownst to Charmian, Ronnie is drawn into Bruce Reynolds plans for the Great Train Robbery.

Ronnie returns from his tree felling job and Charmian realises he has been involved in the Great Train Robbery. This is confirmed when he shows her his share; £147,000. Charmian lives in fear of discovery and they disperse the money amongst trusted friends. In September 1963 Ronnie is arrested and Charmian is beseiged by the press. She is drawn into the disappeared Bruce Reynolds' circle of friends. They deal with a chancer demanding money from her for protection. At the trial Ronnie is given 30 years imprisonment and Charmian is disowned by her parents.

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As Ron begins a new life in Rio, Charmian makes the best of things as a single mother in Melbourne. But tragedy strikes when their eldest son Nicky is killed in a car accident.