Sunday, 20 July 2025

The bank loan 1 (M/F story)

The young lady behind the desk tapped on her keyboard for a minute or two, before shaking her head. "I'm sorry, Mister Pierce. I'm afraid we have no record of you filling out these forms."

I sighed, rubbing my temple. "But I handed them to you just last week! I sat here, in this room, right in front of you, filling them out, before handing them to you! You assured me that you'd take care of it!"

"Oh." She frowned. "Are you sure? I don't remember anything like that."

I felt like screaming. Dealing with the bank seemed to require a lot more patience than I possessed.

My one-man company, Pierce's Punishment Paddles, sold spanking paddles for adult play and punishment. Sales had been a lot better than I'd expected, and I wanted a small loan to expand. I'd gone to the bank, where Lucy had been assigned to handle my case. She assured me that it would be a quick and easy process.

One month later, I wondered what she'd been smoking that day. This wasn't the first time that Lucy lost my paperwork, and she'd also misunderstood or forgotten several things I'd told her. Sometimes, she still had the forms I'd filled out – she'd just forgotten to send them in. I was beginning to wonder if her name was short for "Lucifer", and she was sent here to Earth to torment me.

"I'll print the forms out for you," she said, clicking away. The printer on the other side of the room began to whirr, and she walked over to fetch the papers. As she bent over the printer, her pencil skirt tightened nicely over a lovely rear end. The sight of that beautiful backside was the only highlight of my visits to the bank. Not for the first time, I could feel my palm itch, and I longed to take her over my knee and spank her soundly for wasting my time, but I managed to resist the urge.

She handed me the forms, as well as a pen, and I began to fill them out yet again. It only took a few minutes – I had some experience at it at this point – and handed them back. She returned to her computer. "Now, I need to see your business licence."

I frowned. "I brought my business licence to you two weeks ago. You scanned it, remember?"

She looked at her screen again, then at me, then back at her screen, with a confused expression. "Are you sure?"

I sighed. "You know what? Forget it." I rose to my feet. "There are other banks in this town. I'm sure at least one of them knows how to file paperwork."

I turned to leave, but as I reached the door, she jumped to her feet. "Mister Pierce, wait!" With my hand on the doorhandle, I looked over my shoulder at her, and she continued: "I am very sorry for losing your paperwork. It was very unprofessional of me, and I can only apologise." She licked her lips. "I admit I've been careless lately, but I'm afraid I can be a bit undisciplined in my work." There was the merest ghost of a smile on her face. "I'd like to keep you as a client. Is there another way we can resolve this? I'm sure you can think of something to help me focus on my work…"

I stared at her for almost a minute, trying to process what she'd just said, before exclaiming "What the hell is wrong with you!?"

She took a step back, her face pale. "I was only –"

I turned towards her, glaring sternly. "Lucy, have you been deliberately wasting my time for the last month in the hope that I would take you over my knee and spank you?"

"Um." She squirmed, biting her lip. "No comment?"
"And what in the world made you think I would do such a thing?"

"You make spanking paddles, don't you? That's your job." There was a puzzled frown on her face. "Wouldn't it –"

"That doesn't mean I'm some sort of feral beast!" I told her. "Consent is a thing! If I went around spanking every woman that annoyed me, I would be in prison for assault." I folded my arms in front of my chest. "If you'd deliberately spilled some coffee on the forms on my first visit here, and then told me it was very silly of you and that you deserved to be spanked, I would have been DELIGHTED to take you over my knee. Instead, you've intentionally wasted four weeks of my life."

Her lower lip trembled adorably. "But… I didn't want to have to come out and ask for it – I wanted you to come to that decision on your own! I tried my best to provoke you… Every week that passed, and not even once did you threaten to spank me… Then you decided to walk out of here…" It was with great satisfaction I watched the tears run down her face. "I'm sorry!" she squeaked. "I only wanted to tease you."

"And what about your colleagues?" I said, nodding to the closed door. "What do you think they'd do if they heard me spank you? How long before they called the police?"

She shook her head, dabbing at her eyes with a tissue. "No one's here," she told me. "That's why I ask you to come in so late in the day – even the cleaners have left. No one can hear us."

I raised an eyebrow. That was actually well planned. This woman was a remarkable combination of surprising cunning and utter stupidity.

"Does…" She swallowed, trying to dislodge a lump in her throat. "Does this mean there's not going to be any spanking?" she mumbled meekly.

I was torn. On the one hand, I did not want to reward her moronic behaviour. On the other hand, placing her over my knee and thrashing her inconsiderate backside sounded very appealing – in fact, it had sounded appealing even before I knew that she was doing it on purpose. An idea struck me, and suddenly I knew what I should do.

I sat down in the chair, scowling at her. "Take off everything below the waist," I ordered.

"What?" she squealed, turning pale.

"You heard me," I told her. "Now strip."

She grinned as she realized that I intended to punish her after all. She placed her hand on her shirt. "You really want me to –"

"Your shirt is ABOVE your waist. I want you to take off everything BELOW the waist," I said, wondering how much of her incompetence had been faked.

With quivering hands, she reached back and unzipped her pencil skirt, letting it fall to the floor.

"Now pick it up, fold it nicely, and place it on your desk," I ordered. She immediately obeyed. She then stepped out of her high-heeled shoes, and the silk stockings she wore soon joined her skirt. Then, she placed her fingers in the waistband of her sexy black panties, forcing herself to look me in the eye as she slowly peeled them down. They were added to the pile as well.

"Stand up straight," I commanded. Her hands moved in front of her crotch, trying to protect her modesty. "Hands on your head," I instructed, and she obeyed. I smiled as I watched her stand blushing before me, naked from the waist down. "Are you ready to spanked for being a silly little girl, Lucy?" She nodded, and I scowled at her. "Use your words, young lady."

She opened her mouth, but no words emerged. She swallowed and tried again. "Yes, sir," a tiny, nervous voice said. I hadn't told her to call me that, but I probably would have if I'd thought of it. I guessed she'd read a lot of stories.

"Over my knee," I ordered. She stepped forward on shaking knees, slowly lowering herself over my lap. Her lithe form felt delightful against me as she wiggled into place. I rubbed her naked bottom. "Have you ever been spanked before, Lucy?"

"No, sir," she whispered.

"How tragic," I said as I continued to caress her backside, watching the goosebumps form. "Let's fix that, shall we?" And I lifted my hand and began to spank her.

I started off quite lightly, giving her some relatively soft taps. I was quite angry with her and intended to give her a thorough thrashing before I was done, but I wanted to ease her into it, especially since it was her first time – I intended to punish her, not traumatize her.

My hand moved from cheek to cheek, delivering firm slaps that rang out crisply in the quiet room. As the sting slowly grew, Lucy squirmed over my lap, gasping when my hard hand struck her soft flesh. "Ouch! That hurts, sir!"

"That's the idea, Lucy," I told her, continuing to spank her. "A painful spanking is just the thing to teach naughty girls like you a good lesson." Gradually, I spanked harder and faster. She began to kick her legs, and every smack was followed by a yelp. Her bottom was almost pink, but we were obviously far from done – I was aiming for red, preferably scarlet.

My hand continued to rise and fall, delivering red-hot justice to the bare-bottomed miscreant. She was now wriggling so much that I had to wrap my arm around her waist to hold her in place, and her adorable little yelps had been replaced with howls.

"Owie! I'm sorry, sir, I'm very sorry. Surely that's enough?" she pleaded.

"I decide when it's enough, young lady, not you – and you're nowhere near sorry enough." I grinned. "But don't worry, we'll get there."

Her bottom was bucking and bouncing over my lap as I thrashed her, and she was pleading insistently and promising to be good. It seemed the spanking was having the effect I wanted.

By the time her bottom was red enough for my tastes, she was sobbing and promising to behave forever and ever. I grinned, but eventually decided that it was enough, stopping the spanking and rubbing her rear end gently until she'd calmed down.

I helped her to her feet, and she jumped from foot to foot as she rubbed her red rear, doing the most adorable spanking war dance. After a while, she turned to face me. "Wow! Whew. That was –" she shook her head, lost for words. She reached for the pile of clothes, but stopped herself. "May I get dressed now, sir?"

"No. I'll tell you when you can put your clothes back on. For now, sit down on the desk."

She pouted. "My bottom is very sore, sir."

"I didn't ask you whether your bottom was sore, I told you to sit down. Now do it," I scolded. Reluctantly, Lucy obeyed, lowering herself slowly down onto her desk, grimacing as her sore cheeks pressed against the hard wood. "Spread your legs," I told her. She blushed, but did as instructed, and I could see how wet she was. "Enjoyed your spanking, did you?"

She blushed even more as she nodded. "Yes, sir. Are you going to…" she left the rest unspoken, but waved vaguely towards her dripping sex.

"Not today," I told her. "Though you look very cute like that, legs spread while squirming around on a sore bottom."

She blushed and stared at the floor, which meant that she did not see the phone in my hand until I'd already taken a few pictures. "Mister Pierce!" she gasped, turning pale as she rapidly closed her legs. "What are you –"

"Here's what's going to happen," I told her, cutting her off. "I'll return in one week, with a couple of my best paddles. If you have a contract ready for me to sign, I'll paddle you."

She gaped. "Don't you mean if I DON'T –"

"No, I meant what I said. Only good girls get rewards. On the other hand, if you waste another week of my precious time, I'll find another bank – and send your boss those pictures I took." I smiled sadistically. "Then you can explain why you're sitting half-naked on your desk with your legs spread and your wet pussy on display."

Before she could respond, I turned to leave. With my hand on the doorhandle, I looked over my shoulder at her and smiled. "You can get dressed now," I said as I left.

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The bank loan 1 (M/F story)

The young lady behind the desk tapped on her keyboard for a minute or two, before shaking her head. "I'm sorry, Mister Pierce. I...