This is really an approximation of what Duffy plays on the piano.  I think the 
actual chords may be a little more complex
but this will let you play and sing along.

A note on the verses to this song.  In the Dm chords, she is walking the root note 
down a half step every half-
measure - from D to C# to C to B.  You can get away with just playing a Dm but if 
you want the flavor of the original, 
try to do that.  Also, for yet more flavor, you can play an A7 instead of an A 
chord.  Up to you.

Enjoy!

Chords: Dm, Bb, A (7 fr.), G, F
Time: 12:8

Intro: Two measures of Dm

Verse 1:
Dm (xx0231@1)   
If I'd known you were cheating me, 
Bb (x1333x@1)                          AI (x02220@1)would have saved myself and set you free. 
DmIf (xx0231@1)I learned you weren't the loving kind, 
Bb (x1333x@1)                    AI (x02220@1)would have saved some peace of mind.

Bridge:
Dm (xx0231@1)       G (320003@1)               Dm (xx0231@1)          GMy (320003@1)friends told me you would break my heart,
Dm (xx0231@1)      G (320003@1)            A (x02220@1)         BbC F(one (133211@1)whole note--3/8--each)
And never last, we would surely part.

Chorus:
F (133211@1)        C (x32010@1)           Dm (xx0231@1)  Bb (x1333x@1)FThere's (133211@1)no smoke without fire, 
F (133211@1)   C (x32010@1)           DmBaby, (xx0231@1)baby you're a liar.

Verse 2 (Same as V1):
People talk in this little town, 
Rumours keep spreading all around. 
And now word has it you've been foolin' me, 
I'm so blind that I cannot see.

Bridge 2 (Same as B1):
My friends told me never to believe in you, 
You never loved me you were never true.

Chorus:
F (133211@1)        C (x32010@1)           Dm (xx0231@1) Bb (x1333x@1)FThere's (133211@1)no smoke without fire, 
F (133211@1)   C (x32010@1)           DmBaby, (xx0231@1)baby you're a liar.
F (133211@1)           C (x32010@1)           Dm (xx0231@1) Bb (x1333x@1)FNo (133211@1)there's no smoke without fire.
F (133211@1)   C (x32010@1)           ABaby, (x02220@1)baby you're a liar.

A (x02220@1)      Dm (xx0231@1) GYou're (320003@1)a liar 
         Dm (xx0231@1) GYou're (320003@1)a liar 
         Dm (xx0231@1) GYou're (320003@1)a liar 
              A (x02220@1)  BbC
Baby you're a liar.

F (133211@1)        C (x32010@1)         Dm (xx0231@1)      Bb (x1333x@1)FThere's (133211@1)no light without a flame, 
F (133211@1)        C (x32010@1)           A (x02220@1)          BbC FThere's (133211@1)no use in having you to blame.   No...
F (133211@1)        C (x32010@1)         Dm (xx0231@1)   Bb (x1333x@1)FThere's (133211@1)no smoke without fire.
F (133211@1)   C (x32010@1)           Dm (xx0231@1)Baby, baby you're a liar. 
DmYou're (xx0231@1)a liar