TVR/John Howard/Married/Cherie

Cherie's maid is an elderly woman with a wart on her nose and after taking your money, she hangs your jacket on a hook and shows you into a small sitting room. The curtains are drawn and the lights are dim. The only furniture is a couch, a low table and a drinks cabinet. The pictures on the walls all feature naked women and girls, some of them not much more than toddlers, but all of them beautiful.

Cherie comes in looking a little nervous. She looks about fourteen years old, with her hair done in bunches and she is wearing what appears to be some kind of school uniform: a white shirt with a blue tie and a matching blue, and improbably, short pleated skirt. She's not wearing shoes but she's wearing white stockings that appear to be held up with a suspender belt. When she smiles, you can see the braces on her teeth.

"Hello Mr Smith," she says. "Would you like a drink?"

You ask for a small whiskey and she goes over to the cabinet, pours an inch or so into the bottom of a cut-glass tumbler, brings it over and sits down on the couch beside you. She bounces up again almost immediately and fetches a coaster for you to put your glass on. "I get told off if I make rings on the table," she says

"Have you been a good girl since I last saw you," you ask.

She giggles a little theatrically and puts a finger to her lips. "Of course I have," she says with a giggle. "Well… Apart from…"

"Go on."

"Well, I…" She goes on to tell you some tale about how she was cheeky to her teachers got kept in after school.

"In my day, I'd have been caned for being cheeky," you say.

She giggles again. "They don't do that anymore, it's against the law."

"There's nothing to say you can't be smacked though."

"The teachers won't do it, I expect they'd get into trouble if they did."

"Maybe I should do it. We can't have you being cheeky to teachers."

Moments later, she's sprawled facedown across your lap. You're not in the least surprised to find that when you lift her skirt, she's not wearing any underwear. "Did you go to school like this," you ask and before she can answer you bring the flat of your hand down on her bare bottom.

"Ouch! It was a dare," she says. "Cynthia dared me to take them off the last period, now she's got to spend a whole day without any knickers on." The thought of it made her giggle and her giggle made her bottom wobble and you slap it again, just hard enough to leave a red imprint of your hand on the white flesh.

This time you don't lift your hand but push a finger down between her thighs. "Oh! Mr Smith, what are you doing," she cries.

"I'm just checking to see if you been having any naughty thoughts," you say as your finger probes between her labia lips. "I think that going around with no knickers on has made you excited," you say. "Maybe I'd better take a closer look." You help her turn over and sit on your knees, facing you with her legs spread apart. "Yes, it looks pretty wet to me."

She pouts. "It's not fair, I can tell you're excited too." She reaches forward, unbuckles your belt and seconds later she has both hands wrapped around the shaft of your cock. Most girls her age would have been pretty shocked at the size of it but Cherie has seen it before. She told you that her father had a big one, but not nearly as big as mine but after she had the baby, she started specialising in men with oversized cocks.

You don't really want to waste too much time with foreplay, so you pick her up and carry her into the bedroom. Like the sitting room, there's not much furniture, just a big bed and a dressing table with a stool in front of it. You drop on the bed strip off your clothes (apart from your socks) and stand holding your cock admiring her young body. Her skirt is up around her waist revealing the pink gash of her pussy and she has undone the buttons of her shirt so that you can see her small breasts with their prominent nipples. As you look at her, she smiles and then lifts her hand to suck her thumb.

You kneel down between her legs and use your thumb to stimulate her clitoris before moving forward to press the head of your drooling cock against the entrance to her vagina. You hold it there for a few moments and then start pushing forward. She may have had more cocks in there and you've had hot dinners, but it's still tight and you wince slightly as it drags your foreskin back. Even she can't take the full length, but there is barely an inch left outside and you hit the back and start to pull out again.

There's no way of knowing if her moans are genuine, but her climax certainly is and the feeling of her young muscles clamping down on the thick shaft inside her is enough to get you off too. It's been a while, so after a couple of jets inside her, you pull out and shoot the remainder over her belly.

You go back into the sitting room to get dressed and when you look in to say goodbye, she's still laying there with the dreamy look on her face. "It may be a while before I see you again," you say. You drop a few notes on the bed as a tip and leave, blowing her a kiss. You look at your watch when you get back on the street; the whole thing took less than an hour.

• TVR/John Howard/005/Early Life/School/College/Married/Babysitter/Talk