The novel consists of two long letters (which appear as volumes I and II of the original edition) written by Frances 'Fanny' Hill, a rich Englishwoman in her middle age, who leads a life of contentment with her loving husband Charles and their children, to an unnamed acquaintance identified only as 'Madam.' Fanny has been prevailed upon by 'Madam' to recount the 'scandalous stages' of her earlier life, which she proceeds to do with 'stark naked truth' as her governing principle.