The Car Loan

The Bank Manager

Chapter One:

Immediately upon graduating from college I landed a pretty good paying job, and one of the first things I did was treat myself to a new car. Looking back, it was way over-the-top for my situation, and when the company that hired me downsized two months later, I was the first to be let go. This left me with a large monthly car payment from a local bank and no income. Not surprisingly, I failed to make the first payment after I was fired.

I was called in for a meeting with a bank officer, a Ms. Natalia Campbell, who explained that unless I was able to meet the next payment, the bank would have no other option but to repossess, meaning not only would I lose the substantial down payment I had already made, but I would also be without a car, thus further limiting my job prospects. As the enormity of the situation hit me, I actually started to cry. Ms. Campbell had obviously seen this kind of reaction before and sat there with an emotionless expression. Finally, she told me she would be in touch soon, after I had time to compose myself, to let me know my options.

A couple of days later, a Sunday, she phoned me, asking to meet that afternoon at a coffee shop next to the bank. I thought this a little strange but had no reason not to comply. Pre-occupied and anxious at our previous meeting, I had not really paid that much attention to Ms. CampbellÕs appearance, but as she rose to greet me in the cafŽ, I saw that she was very attractive - late twenties, brunette, with a very pleasant face, and a slightly raspy voice. She was only around 5'4", with firm breasts and round shapely hips, nicely highlighted by a tight sweater and blue jeans.

Getting straight to business, she asked me if I was interested in hearing a proposal that would allow me to keep possession of the car. As I eagerly nodded my agreement, she laid out a scenario whereby she would personally take over the loan from the bank, and I would make all future payments directly to her. As she would charge a slightly lower interest rate my payments would be a little smaller, although more than she was getting with her money just sitting in the bank. To ensure that the loan would not slip my mind, the payments would be made weekly, rather than monthly, and delivered personally to her home. Thanking her profusely, so grateful for the lifeline that was being thrown to me, I signed the forms without really reading them.

Things got even brighter a couple of days later, as I managed to land another job. As this required extensive commuting, the car (and the loan) became even more vital to me.

The next Sunday I arrived at Ms. Campbell's home with the first payment. She was wearing a silk dressing gown that came to her knees and I imagined her naked underneath as I handed her the check and left. The next few weeks followed the same script.

The fifth week was not as smooth. I had a number of other bills due and did not have the car payment for Ms. Campbell. I thought she would understand and felt quite confident as I asked to speak to her inside her house. She led me to her study, wearing the same dressing gown as the previous weeks. Leaving me standing, she took the only seat and asked for an explanation of my nonpayment. She was not impressed with my reasons and reminded me that any non- payment meant that the car would revert to her. Being even more dependent on the car (because of my job) I expressed my sincere apologies and asked/begged to delay my payment a week. Her reply sent a shiver through me.

"You know, I thought this might happen. You obviously have a discipline problem that needs to be corrected. I will accept your apology... but only if you really mean it. Get down on your knees and apologize sincerely."

I couldn't believe what I was hearing, but she had a very determined look on her face. I knelt in front of her and apologized again. This bought my face almost level with her knees, which she crossed in front of her.

"You don't sound very contrite. I think you had better kiss my feet to convince me."

Uncrossing her legs, she bought both feet to the floor and wiggled her toes, almost teasingly it seemed. Not having any choice, l leant forward on all fours and brought my lips to her bare feet, kissing the right and then the left foot. After a few seconds, she abruptly removed her feet and moving behind me to the door, dismissed me, reminding me to make sure to bring both payments next week.

Of course the next Sunday, I could not get the two payments I now owed. I was nervous as I drove to her house, and gave her a check that covered only one payment. She again led me to the study and sat in the chair as I waited nervously in front of her.

"You obviously need a firmer reminder. I think a good spanking may work wonders for you."

I immediately protested and said that things had gone too far. Ms. Campbell simply reminded me that should I fail a payment, the car would revert to her and I would lose all I had put into it (and without a car, my new job as well).

"If you want to keep the car, lower your pants and lie across my lap, now."

In a trance, I reached for my belt, dropped my pants to my ankles, and hobbled over to her, draping myself across her lap. My shirt hung down at the back over my ass, and I felt her lift it up over my back. This simple act humiliated me immensely. Ms. Campbell left her hand on my boxers for a second and then brought it down.

"Oh, this won't do at all. Lift up."

I raised myself off her lap, and she skimmed my underpants over my hips and down to my ankles. I settled down bare-assed over her lap, as she proceeded to bring her bare hand down on my defenseless bottom. In this position my cock came into contact with the silk dressing gown and started to harden. After about 20 spanks she told me to stand in front of her. I got up and took the position. My shirt hung down in front to cover my cock, although it was starting to poke through in a semi-erection.

"You can apologize to me now and thank me for the spanking."

I thanked her and knelt to kiss her feet.

"OK, you can get up now. But I want you to think about this. Go and stand in the corner for ten minutes. And lift your shirt up in the back so that I can see my handiwork."

I stood with my pants and underwear at my ankles and my ass exposed to her eyes for the next ten minutes before she abruptly dismissed me.

Determined to not let events repeat themselves, I tried as hard as I could to get the money I needed to catch up, but by the next weekend I was still short by a substantial amount. In fact, I was falling further behind every week. I knocked at her door trembling. Ms. Campbell (I did not even think of her as Natalie) answered wearing shorts and a t-shirt. She led me to her study. Her bottom swayed tantalizingly before me before she took her seat.

I explained that I did not have all the payment and gave her what I did have. She sighed heavily and motioned with her eyes for me to kneel. I did and brought my mouth to her dangling feet.

"Hmm, I don't think you're getting this. You really need to be reminded that this is a serious financial arrangement. I think youÕd better strip completely naked so that you can be reminded properly."

Nothing seemed too outrageous by now as I got up and started to take off my clothes.. When I was naked, she got to her feet in front of me.

"You can apologize again now."

I knelt, stark naked, on all fours and kissed her feet. As I did I felt my cock start to harden. By the time she told me to stand, I had a full erection, which I attempted to hide with my hands.

She appeared amused at my condition and said: "Perhaps you need another kind of spanking."

Instructing me lie on the floor on my back with my hands at my side, she appeared above me facing my body and straddled my head, so that I was looking straight up at her round bottom. The cheeks were slightly poking out from below her tight shorts.

Without warning she lowered herself so that she was sitting on me, grinding her ass against my face. Then I felt a soft smacking on my cock, and I realized that she was using something like a belt to hit my cock from side to side. She was actually spanking my cock as she ground her bottom into me! I couldn't imagine what could be more humiliating.

After ten minutes or so she stopped, knelt between my spread legs facing me and continued "the spanking" with what was indeed a belt. This time I was staring straight into her sparkling brown eyes and smirking face. Her breasts jiggled provocatively under her t-shirt.

The slapping of my cock was having its effect, and after a further five minutes I started to feel myself building to an orgasm. I tried to stop myself but it was no use, and as she kept striking me, my cock started to spurt. The first burst hit me on my forehead, the second on my nose, the third my chin. The rest landed on my stomach. All I saw was her gloating and smiling face.

Saying, "Maybe this will force you into better habits," she remained kneeling between my legs, and I felt the sperm dripping on my face.

Finally she stood between my spread legs, smiled wickedly and told me to get dressed, but not to wipe my face until I was back in my apartment. I was to take a photo with my cell phone that would be clear where I was, and send it to her.

"Perhaps your own come drying on your face will force you to reconsider your commitment to this loan," she observed as she held the door open for me to leave.

Chapter Two:

Of course, there was no way of catching up with the payments. In fact, I was falling further behind every week with no way to rescue myself. The thought of the humiliation was so great that the next Sunday I could not bring myself to go to her house. Instead, I phoned and tried to offer illness as an excuse, but Ms. Campbell's stony silence knew that I would not fly. In a firm, but angry, tone she told me she would call me back to let me know, if I still wanted to hang on to the car, what my options were.

Ms. Campbell rang back an hour later.

"As you won't come to me, I will come to you. At exactly 4 o'clock this afternoon I will knock on your house door. You are to leave the door unlocked. I will let myself in. I want to find you in the living room, standing with your back to the door, hands behind you in the small of your back, blindfolded." A pause, and then she purred slowly and deliberately, dragging out each humiliating word,

"And of course, you are to be stark naked, your bare ass the first thing that I want to see."

The knock came promptly. Not wanting to risk further angering her, I had been standing naked for the last five minutes in case she came early. I was nervous and not aroused, my cock soft. The front door opened, and I heard her enter the house, walk down the corridor, and once in the living room, circle around me, taking me in from all angles. She fiddled with something on my dining area table before walking behind me. As she did, I realized she had changed her perfume, as it wafted over to me. Small hands tied my wrists together with a soft material, leather possibly.

I was really panicking now. What was she playing at? Her hands guided me a few steps over so that I was facing the dining table. My blindfold was released, and it took me a couple of seconds to realize that I was looking at a Skype screen with Ms. Campbell's smiling face on it.

"Well, hello there, I see you have followed all my instructions."

It took a moment to sink in. If she was there, then who the hell was in the room standing behind me?

"Something came up, but I have sent a substitute. Her name is Helen and she is an intern from college who is working at the bank. I thought I would let her in on some new loan management techniques."

The person moved past me to stand by the computer on the table, facing me.

Helen was blonde and extremely young looking, 18 or 19 years old. Her skin was milky. She was not tall, about 5' 5", and wore a thin strapped summer dress that left her shoulders bare and that loosely enclosed her slightly shaking breasts, the tops of which were quite visible. The dress fitted her quite tightly about her hips, which looked full but firm. It stopped just above her knees, her legs were encased in black hose and she wore calf-length brown cowboy boots. She was the epitome of what nubile was supposed to mean, and I was standing before her naked, while taking orders from a screen image beside her!

"Now Helen is a shy young girl so I will be giving you instructions. Let's start off with an apology. Oh Helen, you'll need bare feet for this."

Helen moved to my couch, sat down and began slowly to pull off the boots. Then standing she moved directly in front of me, reaching under her dress to unhook what were obviously hold-up stockings from the garters. As she did I glimpsed blue panties. My cock started to harden as the tops of her stockings were rolled down below the hemline of the dress. It looked wildly erotic and wicked. Then she turned her back to me, and bending at the waist, unrolled the left stocking down her leg. Her bottom swayed at me through the thin dress as she shifted balance from one foot to the other.

Finishing, she turned to me and smiling, draped the stocking over my now hardening cock. A small laugh escaped Ms. Campbell from the screen as she watched it dangling. Helen repeated the same tantalizing move with the right stocking. Her ass jiggled in front on me and I heard myself groan.

As she turned to face me, my cock was now humiliatingly erect. Again smiling, she took the stocking in her hand and very carefully tied it around the head of my engorged penis, and holding the other end started to take steps back to the couch, leading me with her. I couldn't believe what was happening. A fully clothed young woman I did not know was her pulling me along by a lease attached to my hard cock.

As she reached the couch, she sat back, but held on to the stocking. Playfully she tugged it downwards and then let it go, my cock bouncing around as she did. I felt exposed in a way I did not think was possible. The other stocking still dangled from around my cock as well, although it was not tied in a knot.

Helen was enjoying this too much to stop. As the tied stocking dangled to the ground, she reached for it with her foot, took it between her toes and started to once again jerk my cock around. As she did I kept getting glances of her panties, and now I could also look down her teasing cleavage. My cock got even harder. Finally she stopped, and very deliberately, crossed her legs, leaving her right foot dangling in front of me. Ms. Campbell's voice told me to get on my knees and offer the appropriate apology.

I leaned forward and kissed Helen's dangling foot. Smiling wickedly she forced her foot into my mouth and I found myself sucking on her toes. Giggling, she changed feet and brought her other one to my mouth, obviously relishing the treatment. Head thrown back and biting her lower lip, Helen was enjoying this royal treatment.

Suddenly, Ms. Campbell's voice broke the silence. "OK, that's enough for now, although Helen seems to be enjoying this a lot. Stand up and face the screen."

As I did my hard cock led the way.

"This reminder to you is ineffective while you are aroused. Helen is going to take you over her knee in a moment, but I want you to be fully aware of the punishment and not your ridiculous penis. So when Helen releases your hands you are going to stand in front of her, and me, and masturbate to a climax. You will then lay across Helen's lap so that she can deliver the late-payment penalty."

As Ms. Campbell finished, Helen removed the restraints from my wrists, the stockings from my cock, and crossing her arms under her breasts, stood next to the monitor, looking at me expectantly.

Humiliated, I moved my right hand to my erection and started to stroke myself. As I did, Ms. Campbell reminded me of the extreme situation I had managed to get into

"When you climax you are not to spill anything on the floor. Helen will provide you with something to hold your discharge."

My hand kept moving up and down and as it became clear I was nearing climax, Helen slowly moved towards me smiling her sly grin, and stood to the side. Ms. Campbell ordered me to turn and face Helen (putting me in profile to the screen). Reaching for the hem of her dress, Helen hitched in up to her waist, gathering it around her middle with both arms. This displayed her perfect legs and her blue panties to my eyes. Smirking, she then turned slowly around until her bottom came into view. My heart skipped a beat as I looked at her delectable ass. The panties were more like a g-string that had just a thin strap running in the crack between her wondrous globes. Her ass was round and firm, just slightly jiggling as she shifted weight from one foot to the other and looked over her shoulder at me. It was clear that I was expected to ejaculate on her bottom. As I kept staring, my climax started and I directed my spraying sperm as best I could at her derriere. She let loose a series of giggles and gasps and moved back into my exploding cock.

As I finished, I took a step back, not knowing what else I should do. Ms. Campbell's voice soon instructed me.

"My, that was interesting. Now lick it up."

My sperm was dotted over Helen's ass. As she did not move, I got down on my knees and, holding on to her hips for support, brought my mouth to her bottom and started to lick up my come. I found that I had to kiss her soft flesh to gather everything up and I found myself pondering on her bottom even more. My cock hardly softened. The thought of kneeling stark naked behind a young woman who had not spoken a word yet, worshiping her almost naked bottom (after kissing her feet), hardened my cock even more.

"Get all of it," came the instruction from the computer.

As I finished, I knelt back on my haunches and Helen let her dress drop to her knees again. She moved to the couch and took a seat again and then smiling, crooked a finger at me to come to her. I rose and made my way over to her and stood in front of her.

Ms. Campbell's voice, "Spanking time."

Hoisting her skirt well above her knees, she looked me in the eyes and patted her lap. I lay across her lap with my cock resting under me and against her smooth legs. Her hand rested on my ass before she raised it to bring it down.

"Count please," came the instruction over the computer. I complied in humiliated obedience. After each slap, Helen's fingers traced up and down the crack of my ass.

As I got to twenty, I heard the front door opening and someone walking towards the room. Looking over in panic from my position over Helen's knees I saw Ms. Campbell holding an IPAD. She walked over until she stood right next to me draped over Helen's lap. Kneeling down she turned my head towards her and asked:

"Are you getting the message yet?"