Avril examined herself in the bathroom mirror. Her elfin like face looked back at her, pale against her dark almost black hair which was cut in a bob. She had a fine figure with generous slightly pendulous breasts, where pearl pendants hung from her prominent pierced nipples, swinging to and fro as she brushed her hair.
"You are a whore," she said quietly to herself, in a voice that betrayed that she had seen many things that should not be seen, and done many things that should not be done by any decent woman, let alone a respectable head librarian.
When she finished her hair she picked up another larger pearl pendant, but this was not destined for her ears, with deft and practiced fingers this was slid into her pierced clit.
'You filthy whore," she said with more feeling, her fingers running lightly over the tip of her clit and her labia, gently teasing them apart before pushing slightly into the entrance to her vagina. It was dry, but she knew in a few hours it would be wet not just from her own juices, but from the semen of whoever was given the opportunity to fuck her. Her finger moved further back, feeling the change of texture around her anus. She stopped, not pushing her digit into this orifice as it was not ready for penetration. That might come later after she'd have the opportunity to lubricate herself. She had already douched herself when she had showered, she was now clean inside and out.
She walked into the bedroom where her clothes for the night ahead lay on her bed. She picked up and slipped on the loose fitting light pale pink silk transparent sleeveless blouse that did little to hide her charms. The darkness of her nipples contrasting to the lightness of her breasts was clearly visible. The arm holes larger than normal exposed the sides of her naked breasts when she raised her arms.
Reaching down again, she picked up a pair of panties if that's what you could call them. They were small and crotch less, little more than ribbons, and when on, they merely emphasized her prominent clit and labia by framing them in light grey lace, matching the pearl of pendant that was swinging freely from her clit. She looked down at the blue skirt she had selected, but changing her mind, selected another from a pale Scandinavian cupboard.
She stepped into this dark grey mini skirt that was so short, it allowed the dangling pendant to be seen, which would cause the viewer to wonder and possibly fantasize from where it hung. She was ready, though looking at her gold watch saw she had a few minutes before she was picked up giving her a moment to recall where this had all begun...
"I'm here to help you make a decision Avril, you don't mind if I call you that do you, and you can call me Daniel," he smiled at me.
"No, no that's fine, Mr Jones, I mean Daniel," I replied nervously, warily of the big man who sat opposite her on her couch. She had let him in when he had told her he was from the company controlling her finances, she had already been forewarned by her accountant he would be coming.
"You have a lovely house here Avril." He said looking around.
"Yes we have, I mean I was lucky to be married to a man who appreciated beauty," I stammered.
"I can see that," he replied looking more intensely at me, "and of course you must love living here, who wouldn't," he added. "Unfortunately situations change and with them personal fortunes, because now Avril this entire house, and everything in it now belongs to me. Since the collapse of your husband's company, and his subsequent disappearance, I have acquired all your assets, well almost all of them."
He outlined the condition of her finances in greater detail as she listened, with growing horror at the situation her husband had left her in. Not just bankrupt but owing a lot of money.
"But what does that mean? Am I homeless?" I had asked my stomach suddenly feeling hollow.
"You could be," he smiled though she felt it was not for her, "though I'm sure we can work something out. It comes down to making decisions and I'm sure an intelligent woman like you will make the right choice. You earn a reasonable amount at the library, and are good at your job; I have seen you there on many occasions. But it's not enough to support payment for this place. Nor pay your debt." He had looked around pointedly. "You could face prison as a partner in your husband's dealings."
Prison! I knew I was in dire financial trouble, but not how much, as my husband had looked after our big finances.
"There is still one asset left, which if made available to me, will allow you to stay here and avoid prison." He smiled like shark moving in for the kill.
I shuddered. "But what is that? I have nothing that wasn't shared with my husband. I have no personal money."
He carried on "I see before me an attractive young woman who works at the library, you have a good figure and a warm smile. So you see Avril, it's you, I could certainly use that asset."
"Me?" I exclaimed perplexed.
"But what do I have to do the only skill I have is as a librarian." I could feel myself starting to panic.
"Oh I think you underestimate your potential Avril, and at this moment that is what we need to check out. The first step is simple, we just have to see if you are suitable for what I have in mind." he said sitting back in the leather lounge.
"What do you mean, suitable?" I asked
"Suitable Avril we need to see you, all of you."
"What do you mean, all of me?" I asked perplexed.
"Avril I am going to invest a lot of money in you and I need to make sure my asset is worth the money. So I want you to take off all your clothes Avril, let's start by stripping to the waist, take off your top and bra, that's easy to do eh?" he grinned waving his arm at me.
She stared back at the two men with what must have been a look of incredulity on her face.
"Are you mad? I can't do that, I won't do that." I spluttered shocked.
"Well that's a pity, for if you refuse then I'll have to remove you from the premises, onto the street, with just what you are wearing, remember everything else belongs to me, I could even force you to remove that. I will also notify the authorities that you are a homeless debtor. You would never get a credit card or a bank loan."
I was incredulous, how could a complete stranger take over my life without me knowing anything about him. This must be a joke
"I assume you have some sort of documents regarding this."
"Of course," he said as he withdrew several typed documents from his briefcase. "I'm going to present you with a mortgage contract and consent form. If you make the right decision and sign it, I will allow you to stay here."
I remember staring down at the document on the coffee table between us, and back at him, and his associate who had been introduced as Jason, who was smaller and had a small case by his side on the floor.
"Read it, then you'll know what I'm talking about." Daniel insisted.
I remember staring at the pieces of paper and the two men, what was I to do? I loved this house enjoying the luxury and spacious modernity. The view across the Bay was to die for and I also had many friends who lived nearby. And prison, I shuddered to think what it would be like.
I picked up the explanatory note and scanned though it. It was simple in its details. Providing I consented to Daniel requirements, he would offer me a free loan on the house and contents effectively a second mortgage. This was for five years, after which I would own the house with ten percent to be repaid. Any defaults on this second mortgage and the first mortgage would be applied once more which I could no longer support.
I then picked up the Consent form and read though it stunned, as the men waited.
"You can't do this, I'll phone my lawyer now and see about it," I said getting up and going to the phone. I searched through my contacts and pressed the number of my solicitor. His secretary answered and after a moment put me through to him. I repeated what Mr Jones had told me about my situation, and stood stunned as he replied. I was in fact destitute.
My stomach sank and churned as he restated exactly what Mr Jones had said. He had talked to Mr Jones earlier, the consent form and contract was fully legal offering me the only legitimate way out of my dilemma. He asked whether Mr Jones was there now and I said he was. He then explained that the mortgage agreement would need to be witnessed, if I wanted he would come straight over and take me through it.
It really is your only option at the moment he repeated, I would not get a better deal. In the meantime he advised me strongly to comply with whatever Mr Jones demanded as he really did possess my house and property.
I said my voice suddenly quiet and dull, that it would be good if he could come over. I turned to Mr Jones and this was the moment when my life changed forever.
"Do I have any other choice?" I asked quietly, returning to the lounge and sitting down.
"Of course, you can refuse and we will see you off the premises instantly, of course you can't take the car as it belongs to me, and I will seek payment for the debt, or you can strip now, and I mean now and let me assess you."
I almost burst into tears but controlled myself, staring at the men watching me expectantly. I waited, the silence in the room broken only by the sound of a car going past outside.
"Avril, we do need to make sure you fit into our criteria, I'm sure you will but I do have to make sure. There is a lot of money and planning involved in this." Daniel explained.
"Do I have to do this now, here?" I said quietly.
He looked at his watch, "Really Avril you have no choice and we do need to move onward, time is short."
"Can't I wait until my solicitor arrives?"
