In said story, Ginny is happily married to Draco when lo and behold Tom pops up. Angst insues and her and Draco's lives are in danger, as is there mariage (due to the fact that Ginny is in love or sleeps with Tom). No NC-17 or R and should something allong the lines of:
Ginny heard Draco's voice calling her from the library. "Ginny, this is Tom. He says he is here to see you"
And then Draco leaves the room blah blah.
Hope you enjoy!