It was a cold Monday morning and I was on my way to see my bank manageress
concerning overdue payments on a loan.
The loan had seemed a good idea at the time, a new car and some clothes
but I was made redundant and couldn't even make the first payment.
The manageress was a friend of my auntie's and had granted the loan
immediately, my auntie having agreed to act as guarantor.
I arrived at the bank and informed the receptionist of my arrival, she
told me to sit and wait.
Having more time to reflect I took out the letter I had received from
the bank and re read it.
"Following our meeting of two weeks ago you still have made no
repayments on your loan. Would you please attend the bank on Monday
morning at 9 a.m. to discuss the situation otherwise I will have to
claim the outstanding sum from your guarantor."
At the meeting two weeks before, the manageress had said that if I
continued to default that she would take action so I guessed that this
would be it.
A buzzer sounded and I was ushered into the manageress's office.
"Ah sit down" she said.
"You still have made no progress with your repayments. I told you
last time I saw you that I would have to take action, there are however
I nodded indicating to her to continue.
"I am reluctant to claim on your auntie's guarantee, being a personal
friend of hers, however that is one of the two options."
"And the other" I asked.
"I don't think you are trying very hard to meet these payments,
I consider that you could have paid something off of the account.
The second option therefore is that you may have an additional three
months to catch up with the payments, on condition that you accept a
"And what would that be" I said.
She pulled a notepad towards her and quickly wrote something on it then
passed it to me.
"If you accept the punishment you will go to this address tonight
at 8 p.m.
You will do what you are told by the woman that meets you there. You
will not be told what the punishment is until you get there."
"Do you agree" she continued.
"Yes okay" I replied. I didn't want my auntie to know I had
"Right if you do as you are told you will have three more months
from today to catch up with your payments."
"Good day" she said indicating that the meeting was over.
I returned home wondering what was expected of me.
As the time approached I looked up the address on a street map to find
it was in a very seedy part of town. I drove over there and parked.
The street was strewn with litter and the tatty buildings made a depressing
sight as I walked along observing the house numbers.
I arrived at the address to find a very large Victorian terraced house
and with great trepidation rung the bell.
A very dowdy middle aged woman answered and gestured for me to come
inside. Closing the door she said "I've been expecting you, come
We went along a dingy passageway and into a small room.
"Now wait here while I go and get changed" she said, "oh
did anyone tell you why you are here?"
"No I said."
A slight smile crossed her face, "you will be smacked and caned"
she said "wait here" she repeated, and went out closing the
Rather surprised I sat and waited, oh well I thought get it over with
and at least I would have more time to deal with my debts.
She returned shortly wearing a long black skirt and white blouse.
"Now we will be going upstairs in a minute, you will do exactly
as I ask at all times and without question." "There will be
some people watching your punishment, you will pay them no attention
"Now take off your coat and come with me."
I did as asked and then followed her out and up some stairs.
She paused outside a door, "just follow me and do what I tell you"
she reminded. My punishment was about to begin.
She opened the door and we entered.
Inside the room was thick with cigarette smoke and despite the silence
I could sense there were many people assembled at the far end of the
room. I could not see them because of a row of tiny spotlights on the
ceiling all pointed down at the floor where we stood. The walls were
all painted matt black.
I followed the woman to the middle of the open floorspace and she told
me "stay there."
I again looked over at the people but could see nothing except the occasional
cigarette glowing in the dark. I got the impression there were twenty
or so of them and from the height of the glowing cigarettes I guessed
they were seated.
The woman reappeared from the shadows into the small illuminated area
where I stood.
"Take off your trainers" she ordered.
I removed them and put them on a wooden kitchen chair that she indicated
and then returned to her.
"Face that wall" she said, I did so leaving myself sideways
on to the watchers.
"Bend over and touch your toes" she said quietly.
A glance at her told me I had better comply. The watchers who had begun
murmuring to each other fell silent.
I bent over.
She began smacking me hard with the flat of her hand, surprisingly
forcefully but still more embarrassing than painful.
Aware all the time of the people watching, I hoped she would stop soon
but she went on and on rhythmically smacking.
I could see the cigarettes still calmly glowing in the dark out of the
corner of my eye and then she stopped. "Stand" she said. "Stay
I couldn't believe I was going to get away that lightly and sure enough
she returned with one of my trainers.
"Bend over, touch your toes." I did.
Feeling embarrassed again I waited fingers on toes for her to resume.
The murmuring that had gradually built up again ceased.
Suddenly the trainer was sent crashing into me very painfully, I squirmed
and wriggled. "Keep still" she said in a bored tone.
She spanked hard with the trainer for several minutes. At first it was
all I could do to stand it, but gradually my skin became accustomed
to it and I was able to bear it more easily.
As she continued I became aware again of the audience and my embarrassment
On and on she sent the heavy trainer crashing against me, while I wondered
how much longer I could possibly go on.
At last she stopped and replacing the trainer on the chair said, "stand
I stood and stole a glance towards the audience. The low voices started
again, still I could not make out the people sitting there because of
the spotlights shining straight at me.
I wondered what they were saying to each other but could not discern
individual conversations from the general murmuring.
I was just wondering whether it could be over when the woman returned
to my side, she was carrying the chair and stood it in front of me.
"Take your clothes off" she said sternly, "all of them,
stack them on the chair."
I began undressing slowly.
"Quickly, I want you completely in the nude, now."
I removed the rest of my clothes as quickly as I could, placed them
on the chair and stood naked awaiting her instructions. The cigarettes
glowed brightly in the gloom.
"Touch your toes." I resumed my position and she began smacking
hard with her hand again.
"There she said, that's better, nothing to protect your skin now."
A sharp crack was emitted every time her hand contacted me and it was
indeed more painful.
She stopped. "Stay there" she said. I stayed fingers on toes
waiting for the next onslaught.
She picked up the trainer that she had used before and now began a violent
assault on my flesh. The shoe was very heavy and my skin was stinging
and bruised but she pounded away fully for five minutes.
"Okay then stand" she ordered.
I stood and rubbed my battered skin.
She disappeared into the shadows and then returned with a long bamboo
cane, a hint of a smile again and then "I want you to kneel in
the chair, lean over the back and put your hands flat on the floor."
Still nude I knelt on my clothes that I had placed on the chair seat
earlier, cautiously I leaned over the chair back and managed to touch
the floor with my fingers.
She came round the back of the chair and said "hands flat on the
I had to really stretch to get my hands flat as the chair back pressed
into my stomach, but now she was satisfied with my position and I watched
her feet as she walked back behind me.
I had never been caned before and I began to wonder just how much this
was going to hurt. The audience was perfectly silent now as they and
I waited for her to begin. For some while she just paced slowly up and
down adding to my apprehension and embarrassment at my exposed position.
Without warning her cane swished through the air and connected with
my unprotected skin. I heard a barely audible gasp from the audience
as a searing pain shot through me, I lifted a hand from the floor intending
to rub my skin but it became obvious that I would not be able to reach
without standing up first. The burning sensation seemed to go on and
on as I wriggled and writhed in a futile attempt at reducing the pain.
Eventually it began to lessen and I became aware of the audience now
We all waited in the perfect silence for her next blow, they in anticipation
and me in dread.
It came all too soon, that terrible swishing noise followed by a loud
crack as her cane found its target for the second time.
Again unable to get up immediately I writhed in agony, every muscle
tensed to try to dispel the pain. I tried to get up but a hand pushed
me back down again. "Don't move" she said.
Eventually the pain reduced to a general burning sensation and I relaxed
My knees were hurting and the back of the chair pressed hard into my
stomach as I waited and hoped that there wouldn't be too many more.
I watched her feet walk slowly around me as she gave me time to recover.
The feet disappeared out of my sight again and I guessed I was going
to get some more.
Crack, the cane bit hard into my flesh, then again and again. Six times
she sent the cane exploding against my skin in rapid succession.
The blows all seemed to blend into one and left me breathless with the
Another two minutes went by, more recovery time I supposed. My skin
felt red raw and burned incessantly.
Without warning another six swipes had my skin afire again, it seemed
ages until the pain abated but eventually it did.
"Stand" she said. I extricated myself from my uncomfortable
position and stood.
Barely having to raise her voice in the silence she said "anyone
fancy a swipe or two?"
She put her hand to her forehead to shield her eyes from the spotlights.
I could see nothing but she evidently could because she gestured to
someone to come forward.
Three women appeared out of the gloom and came to stand beside us.
I suddenly became more aware of my nudity with four of them dressed
beside me, although they had been there in the dark all along.
"Bend over and put your hands flat on the chair seat." She
There was some polite discussion as to which of the women would go first
and then silence as one of them took up position behind me.
Swipe, I heard the cane rush through the air a fraction of a second
before it exploded against my flesh.
I had hoped that they might be a bit more reticent but the cane had
been propelled at full force. I rubbed frantically at my skin but was
told in a mechanical tone "put your hand back down, you will get
an extra swipe from me every time you move your hands."
All went quiet again and then swipe, the cane bit once again.
As I recovered a bit the women changed places and a different one took
up the cane.
Swipe, Swipe she took her turn to devastating effect, as I writhed I
resisted the temptation to move my hands and just wriggled to the amusement
of the audience.
The third woman then took the cane, they all went quiet again and then
Swipe, Swipe, once more the searing pain as the cane connected with
"Stand" I was told, I stood up once more.
"Anyone else" she asked the audience. No response.
"Anyone fancy smacking." She continued.
Evidently some of them did because she gestured again and two more women
"Touch your toes" I was told.
As I bent over I thought is there to be no end to my humiliation.
One of the women looked very heavy and strong but I thought this probably
wouldn't hurt much after the caning.
The lighter woman went first and smacked away at my skin for two minutes.
More embarrassing than painful I waited for it to end.
Last one hopefully I thought as the larger woman took up position.
Still touching my toes I waited for her to start.
Suddenly an enormous blow landed sending me sprawling forward on the
floor. The crowd burst into laughter as I slowly picked myself up. The
woman glowed with pride at the reaction to her effort.
"Get up" I was told by the woman in charge now smiling.
"Perhaps you had better lean against the chair again."
I resumed my position with my hands in the seat of the chair.
The large woman began to smack hard and fast at my already raw skin.
Urged on by the now vociferous crowd she pummeled away at me, hurting
nearly as much as the cane. I moved around trying to avoid her hitting
the same spot repeatedly but her great hand relentlessly found its target.
Every time her hand connected it sent ripples outwards across my skin
and I had to push back to avoid the blows sending me forwards.
At last she stopped, out of breath and soaked up the congratulations
from her friends.
I thought this must be over now, but no.
The woman in charge told the other women to resume their seats and me
She took away the chair and placed it out of sight. Returning to me
she took my arm, led me to the middle of the lit area and turned me
to face the audience. Then surprisingly she went and sat with them leaving
me standing on my own.
I felt very silly and embarrassed standing there nude on my own as I
waited for her to say something.
After some seconds which seemed ages she said from the darkness, "right
to finish you are going to bring yourself to climax, you have two minutes
or else you will be caned again even harder than before. The time starts
The final humiliation, all this because I had got into trouble with
Acutely embarrassed I did as I was told, they applauded at the end more
at my humiliation than anything else.
I was given back my clothes and allowed to dress and leave.
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