A club does exist. I have taken some literary license as to what goes on there.
Peggy and I had paired up at several swinger parties. We also got together several times without Becky, my wife, knowing. We became good friends, or friends with benefits might be a better way to put it. I trusted her enough to tell her my deepest personal secrets, and she could do likewise.
Peggy was married to Steve. Steve was not a swinger. The rumor was that he was gay. No one denied that he was a snob and an asshole. I don't have anything against gays, but I can't stand a snob or an asshole.
Steve was a senior vice-president or something in one of the largest banks in town. He earned a high six-figure salary. I had seen around town. He was always too important to talk to me. He just didn't seen to have what it takes to rise as high as he had in the bank. If you talked to him for five minutes, you would move your money to another bank the next day. I know I did.
Look up dork in the dictionary, you will find Steve's picture. His skin was so white, you knew that he never got out into the sun. Whenever he got out in the sun, he would burn and peel easily. His hair was blond and thinning. Those who went to school with him said that he had a middle age spread when he was in junior high. His handshakes were weak and clammy. I always wanted to wash my hands after shaking his hand.
I had always wondered why Peggy ever dated him and could never understand why she married him. It had to be money. But, Peggy didn't seem the type to worry about money. She was strong and confident. She could make it on her own.
Peggy seemed to have some underlying tension or anger. She would swing, but it was like she was angry about something, her life maybe. Who knows?
After one of our love making sessions, Peggy and I were in the bed enjoying each other's company. I had been wondering how and why she married Steve. She had never volunteered the information, so I asked. "Peggy, I know it is none of my business, but I have to know? How did you ever get hooked up with Steve? You are so much better than him."
Peggy's face tensed. Had I said the wrong thing? I was worried. Peggy was not very happy. Would we be friends any longer?
"I really care about you. I trust you, and I am going to tell you something that I have never told another living sole. But, you can never breathe a word of it to anyone. Promise?" Peggy responded.
"I promise. Cross my heart, hope to die!" I said.
"I hate my husband. I have hated him from the first time I laid eyes on him. I swing because that is the way that I get back at him for ruining my life. Swinging becomes my few moments of freedom. When I am fucking somebody at a party, I find pleasure in knowing that it is not him." Peggy began telling me her story.
Peggy was the daughter of a local building contractor, Al Simpson, a successful man who made a decent living, but not a wealthy man.
Steve was a good ten years older than her. She was twenty when she first met Steve. Steve was a junior executive at the bank. He had languished in the same job for years. He was inept and going nowhere.
Peggy was hired on as a teller for the summer before her sophomore year in college. Her salary was much more than she ever expected. Even though she had other offers she would have enjoyed more, the money was too good to pass up. The bank had made her an offer that she could not refuse.
Steve asked Peggy out on her first day at work. She politely refused. Steve was just not her type, or anyone's else's type for that matter. Steve was persistent, but Peggy always refused. She was beautiful, with a great figure. She could have her pick of the guys, and Steve was not one she would ever consider dating. It wasn't his looks so much. There was just something about him that Peggy detested. Steve came across a shallow, very shallow.
Al Simpson's, Peggy's father, contracting business was doing great. He received several large contracts from Frank Wormer, a large developer in town. Al had to borrow a lot of money to purchase new equipment so that he could complete the contacts on time. Al borrowed all of the money from the bank where Peggy worked. It was just too easy, but Al was not going to look a gift horse in the mouth. The loans were approved at a record pace.
It just so happened that Steve was the loan officer for Al's accounts. The loans had gone through without a hitch. Steve mentioned one day that he knew Peggy was Al's daughter before Peggy ever applied for the job at the bank. Peggy thought that was odd, but didn't give it a second though. Someone must have told him. It was not a big town.
There was a penalty clause in each contract that Al signed, but Al didn't worry. With the new equipment, Al could finish his contracts in plenty of time. Things were running along wonderfully. Al's work was proceeding at a good pace. Everyone was happy with the quality of his work. Then, disaster struck.
Steve called Al into his office. Steve explained that the bank auditors had reviewed Al's loans. They said that he was severely overextended. The auditors required Al to make a large payment or the loans would be called in. Al asked Steve how they could call in his loans when he wasn't late on any of his payments. Steve explained that it was all spelled on page 7 of 24 in the fine print. If the bank auditors believed that Al was overextended, they could call in all or part of the note.
"Al, didn't you read all 24 pages of the loan agreement and promissory note?" Steve asked. Who does?
Steve told Al he had one week, or the bank would call in the notes and seize the equipment. Without the equipment, Al could not finish the jobs and the penalty clause would kick in. Al would be ruined. He would lose everything.
Al pleaded with Steve. He would have the money, but he was not due for a draw for another month. Steve would not budge. Make a large payment within seven days or the bank would repossess the equipment on the eighth day.
Al went to several other banks and the response from all was the same. How was he ever able to borrow so much money? The amount of money he borrowed far exceed all banking rules. Nobody would loan Al a dime. He was ruined. He would lose everything that he had, his home, his cars, his savings, everything.
