This is by H28 on onedirectionfanfiction.com it's wonderful and I hope you like it as much as me. Recommended for 17+

The passionate story of Tessa and Hardin continues as family secrets, deep betrayals, and career opportunities threaten to tear them apart.

Tessa Young is an 18 year old college student with a simple life, excellent grades, and a sweet boyfriend. She always has things planned out ahead of time, until she meets a rude boy named Hardin, with too many tattoos and piercings who shatters her plans.