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), G, F
Time: 12:8

Intro: Two measures of Dm

Verse 1:
Dm     
If I'd known you were cheating me, 
Bb                            A
I would have saved myself and set you free. 
Dm
If I learned you weren't the loving kind, 
Bb                      A
I would have saved some peace of mind.


Bridge:
Dm         G                 Dm            G
My friends told me you would break my heart,
Dm        G              A           Bb C F (one whole note--3/8--each)
And never last, we would surely part.


Chorus:
F          C             Dm    Bb  F
There's no smoke without fire, 
F     C             Dm
Baby, 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          C             Dm   Bb  F
There's no smoke without fire, 
F     C             Dm
Baby, baby you're a liar.
F             C             Dm   Bb  F
No there's no smoke without fire.
F     C             A
Baby, baby you're a liar. 


A        Dm   G
You're a liar 
         Dm   G
You're a liar 
         Dm   G
You're a liar 
              A    Bb C
Baby you're a liar.


F          C           Dm        Bb  F
There's no light without a flame, 
F          C             A            Bb C F
There's no use in having you to blame.   No...
F          C           Dm     Bb  F
There's no smoke without fire.
F     C             Dm 
Baby, baby you're a liar. 
Dm
You're a liar