Changes is a tale of corruption, blackmail, revenge, drug smuggling, murder, and self-discovery told from five points of view:

Nigel Hall has a comfortable life running his advertising agency and using girls and other activities including sailing and trips to casinos to entertain his clients.

George Collins enjoys perks that Nigel gives him and doesn't worry too much about the invoices he approves.

John Ives hadn't expected to take his cousin Carol Ives's part as Cinderella in a panto when she injured her ankle horse-riding nor that photos from the event would later give his fiancee an idea for getting him in and out of her parents' house without their knowledge. Nor did he expect to discover how much he enjoyed cross-dressing or that his fiancee would support him.

Then Mary Sanchez, the widow of OJ, a former business partner of Nigel, returns from the USA. She takes over the company George works for and extracts revenge on Nigel, who she blames for OJ's death.

The consequences impact on all of them.