Hoopdriver half-inadvertently rescues her from Bechamel's clutches, and the two proceed to cycle across the south of England. Ashamed of his true circumstances, Hoopdriver spins droll tales of South African origins and the comforts of wealth until shame induces him to confess his true circumstances. But he also displays genuine courage, rebuking insolent travellers who insult Jessie's honour.
Hoopdriver's encounter inspires in him a desire to better himself, as well as impossibly romantic feelings toward Jessie. At last a party consisting of her stepmother, some of her stepmother's admirers, and her former schoolteacher catches up with them. Jessie returns home and Hoopdriver returns to the Drapery Emporium of Messrs. Antrobus & Co., but Jessie has promised to "send him some books" and has held out the vague prospect that "in six years' time" things may be different.