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Chapter 10business until she was ripe for orgasm and then I came into avery, very wet, welcoming pussy. We climaxed, me just afterher and kept on until we were exhausted and satisfied.Her back arched and shuddered, as the last touch of orgasmwent through her body and her wonderful big tits bounced upand down, with the large dark brown nipples big and hard. Ihad never made love to an Indian girl before and found thetanned skin which was different shades in different places anincredible aphrodisiac. We laid side by side, naked and exhausted. After about fiveminutes, I started to gently caress her breasts and then suck hernipples again, very gently. She caressed my thigh and thenmoved her hand to my penis which immediately perked up. “Oh” she said, “I think it wants some more, greedy cock.” My tongue moved from her nipples, down her bodysucking and licking, until it got to her belly button. The mostsexy, wonderful belly button I had ever seen. Quite big withdifferent shades of brown as it went in. I sucked, licked,fingered and kissed it and a fishy, shitty smell rose into mynostrils, sending my sexual senses wild. My tongue continuedover her beautiful brown tummy and down to her proud blackbushy haired pussy. By now I wasn’t only in love with this girlbut totally infatuated with her. But I couldn’t let her know this.Not quite yet. I still had to keep her on a string. I slowly prepared her pussy and said, “Now suck my cock,so you can make it as big as possible, for when it comes in toyour pussy” “Oh yes, oh yes, come here cock, so I can suck you toheaven;” and she literately grabbed it; sucked it strongly andthen took the penis right down and caressed the back of herthroat with it. I then put my penis on her pussy and gently 145

Chapter 10caressed her pussy with it and then just as my penis was aboutto go up her pussy, I drew away from her and said, “My god its 6.15, Liz will be home any minute. Quick jumpunder the shower, I will join you.” I bundled her into the shower and joined her, she didn’tknow what day of the week it was, she just stood there as Iwashed her wonderful tits and everything else and myself.Dried us both and we dressed and shut the front door of theapartment as we heard Liz coming in the front door of thebuilding. I put the key back and said. “Alisha, hide behind here,so Liz doesn’t see us. It’s not fair to her that we haven’t gone bynow.” “Oh yes, of course” she replied. Liz couldn’t have caredless and nor could I, but I just wanted to keep Alisha of balancefor a little bit longer. We walked out the building and along Kingston HighStreet, I stopped and turned to her and said, “Are you Okdarling.” She looked up at me and said, “Roy I don’t Knowwhere I am. I’ve never enjoyed a day so much as today, but Ifeel very strange, a bit giddy”. I replied, “Let me give you acuddle.” “Yes please.” She said and we embraced. Then shestarted to kiss me, really kiss me. Her tongue was down mythroat, sucking my tongue nearly out of my mouth, we snoggedfor a long time, until all the sexual feelings of excitement andorgasm which she was expecting in the apartment only a fewminutes ago had subsided. She then just held on to me. “Fancya drink, there’s a good pub down the road,” I said, “God, Icould do with a drink.” She replied. The sun was warm, there seemed a touch of melancholy inthe air and suddenly, I felt a deep love for this girl. We walkeddown Washington Road to the Bull and Bush pub chattingaway. I thought, we both realised that we were in love. We satdown at a table with our drinks, she sat there and said nothing. 146

Chapter 10Music was playing but not over loud: that came later in theevening. “You’ve gone quiet, everything all right” I asked “You don’t want to see me again, do you? I can tell. Yourdisappointed in me.” Tears started to roll down her face, shecontinued, “I’m a quick learner. I can be a lot better in bed, just giveme another chance, but you don’t want to see me anymore, Ijust know it. I’m so down.” “Your wrong, in fact I’m totally in love with you, you’re themost beautiful girl I’ve ever seen, you were fantastic in bed. Ihave been to bed with a lot of women and none of them wereas good as you.” “Really,” she said looking amazed and smiling. I then said, “This is what I want to do, let’s go back to the shop now andfinish what we started, there’s a putt down bed upstairs” “Do you really mean it, don’t you have to get back home?” “Don’t worry I can arrange that or perhaps you don’t feellike it?” “I want to finish, what we started more than anything I haveever wanted to do in my life. Oh Roy, my pussy’s getting allwet just thinking about it. We finished our drinks and walked back to my car, we gotin and I said, “I don’t believe your pussy is wet” “It is, If you don’t believe me, feel” She pulled her jeans and panties down to her ankles and Iput my forefinger in to feel, God, it was wet. I went down andpulled her clit by sucking strongly on it with my tongue andthen I gently caressed her pussy lips with my tongue. My twofingers went in and gently massaged her G spot. 147

Chapter 10 “Oh ya, that’s so good, oh God you know how to make mefeel so good, ahh so good.” “Right pullem up, let’s get back to the shop. My cocks goingto fuck you senseless.” “Please God it will. I can’t wait.” We were in the upstairs room of the shop, “Mr James” thebed was down and we were naked. I said, Alisha, I will lay down, you bend over me and suckmy cock, slowly bring your pussy down, that’s right and then Ican suck your pussy like this. (Position 69) We sucked oneanother for a long time. Taking a breather every now and againand then back to sucking again. She then turned around andsquatted on to me and put my penis up her pussy and wefucked for a while. Then I told her to change to the normalposition but with her on top and we fucked hard, I caressed herasshole with my two fingers and slowly stuck them up herasshole and she started to come. A tremendous orgasm wentthrough her whole body and she cried and shouted out withpleasure. Her body shivered with delight and she slowlystarted to breath normally again. She looked down at me and said, “Have you come?” I replied “No, not yet. The best way for me to come now isfor me to come from behind.” I told her not on all fours but tolay flat on her front and spread her legs a little. I came intoher pussy from behind, laying on her and she said, ”That feelslovely.” I started to fuck her and then said, “As I push my penis up,you must get your vagina to suck it in and as my penis comesback, you must relax your vagina, your soon get the knack.”She did immediately. As my penis went up, her vagina wouldsuck it in and as my penis went back, she would relax hervagina and as my penis went up her vagina sucked it in and so 148

Chapter 10on, I very quickly exploded, shooting all my love juices rightup her vagina “ahh, ahh, Alisha you’re the best, you really are,your fucking marvellous.” We lay side by side and I said, “I must just suck the best titsin the world” and I kissed her breasts with love and sucked hermarvellous dark brown nipples. “Oh Roy,” She said, “this is the happiest day of my life.”A month or so later, after making love, we were laying naked on the bed upstairs in “Mr James,” when Alishasaid, “Roy, do you remember Tina, the girl I was with, when Ifirst came into the shop?” “Yes.” “Well, because we have been together so much, I haven’tbeen able to spend as much time with her as I should. Youknow, she is my best friend and she’s getting a bit down. Theother night she said to me, can she come out with us some time,when we go out. I told her it wasn’t possible but I thought I’djust mention it to you.” “Doesn’t she have any other friends.” “Well, she had a boyfriend for a while but they split upabout a month ago and she’s feeling a bit lost,” “It’s a shame, she’s a very attractive girl to be on her own. Idon’t mind, if you would like to bring her along, then bring heralong,” and I left it at that. Wednesday evening at about 5.30pm; they both walked intothe shop. I went over to talk to them. “HI” I said, “nice to seeyou again Tina” “It’s good to see you again.” She replied. Wechatted, then I closed the shop, and we went over to the Forumfor a drink. The conversation was pleasant: we all got on very 149

Chapter 10well. Tina seemed a very genuine person, she was studyinghard now and trying to get to university. She got on with hermum and dad and had one brother and one sister. The end ofthe relationship with her boyfriend was as usual, very difficultand she felt she was just now, getting over it. Every now andagain Alisha and Tina would say something quietly to oneanother and then giggle and laugh; it was great fun and I washaving a good time. After an hour or so, I said to Alisha, “If we are going to make love tonight, we had better makea move” and sat there, interested in what was going to happennext. “Tina, me and Roy are going back to the shop now. I haven’tseen him for a couple of days and I’ve really missed you knowwhat.” “Yes I know what, it’s all right for some.” “Well, you can come over and join in if you want” Alishareplied, my heart went into my cock and I waited and saidnothing. “No, you two enjoy yourself, I’ll make a move,”….“anyway, Roy wouldn’t like it.” “Roy, would you mind if Tina came back with us and joinedin the fun.” I must now point out, that this was one of the greatestmoments of my life; my underpants were now beginning to feela bit small as I said, “I would love Tina to come back with us, I think we couldhave a really good time.” We were going out the door andAlisha said, “C’mon Tina, come back with us and let’s have some fun,you need something to cheer you up. I promise you, you’llenjoy it.” “Oh OK then.” 150

Chapter 10 I opened the shop door and turned the alarm off. We wentin and I shut and locked the door behind us, the two girlsstarted giggling and we went upstairs. Alisha took the wine outof the fridge and drank straight from the bottle, she handed itto Tina who did the same and handed it to me. We chatted fora few minutes and then Alisha started to get undressed, shesaid “C’mon, Tina, don’t just stand there, take your clothes offand enjoy yourself, we haven’t got all night.” I could clearly seethat this was the magical moment: where Tina joined in or saidher farewells. She started to undress, thank God. We were allsoon naked except Tina, who still had her panties on. Alishawent over to her, bent down on her knees and slowly but firmlylowered Tina’s panties down to the floor; Tina stepped out ofthem. Tina was taller than Alisha by an inch or two, slimmer, alovely bum and smallish tits, what I call French tits. She had abeautiful face with dark brown hair down to her shoulders, hersmooth white skin next to Alisha’s darker skin was a delightfulsight to behold. “Tina,” I said, “lay on the bed, on your back.” She laid onthe bed. I spread her legs and said to Alisha, “You do the rest,”I then went straight down to Tina’s pussy and did the business.I applied a layering technique to her clitoris known as the clitsandwich. I squeezed the outer lips of the vagina togetheraround her clit like a sandwich. The resulting sensation is thatthe clit then gets soft, indirect pressure, because this pressure istransferred through the thin hood skin and the thick skin of thelips, as opposed to harsh direct stimulation. After a while shestarted writhing and moaning with pleasure. Then I justexperimented by moving the sandwich up and down, pull itout, push it in until I found the right touch for her: either way,the skin inside slides back and forth around the clit as you 151

Chapter 10apply this preferable indirect pressure. I looked up and sawAlisha stroking Tina’s hair affectionately. “Ahhh, ahhh that’s so good Roy, I can’t believe it’s so good,Oh yes, yes.” Tina cried. “Alisha, kiss her and suck her tits and see what happens.”Alisha looked at me. “See how it goes” I said and motioned for her to do it whileI was really doing everything I could on her clit and pussy. I looked up and saw Alisha bending over on the bed gentlykissing Tina and stroking her hair and then her hand wentdown and caressed her breasts and fingered her nipples, whileall the time Tina was moaning and arching her back withpleasure. I Then put my two fingers up Tina’s pussy and gentlymassaged her G spot, then more firmly, she was starting toorgasm. I took my fingers out and stood up. Tina and Alishawere now snogging seriously, Alisha left hand went down andcaressed Tina’s tits. I came up behind Alisha, spread her assand started sucking and licking her pussy, I then flipped herover on her back and carried on. Now Tina was caressingAlisha’s breasts and snogging her. Then I told Tina to sit on me and put my penis up her pussyand at the same time to finger her clit. For Alisha to face Tinaand squat over my face so I could suck her pussy. So, Tina wasvigorously going up and down on my penis fingering her clitand moaning with incredible pleasure, while Alisha wasscreaming with delight at the way I was going at her pussy andclit with my sucking and licking; every now and again, Tinawould caress Alisha’s tits with pleasure and then they startedreally snogging one another. They were both facing each otherand reaching climax’s and the wonderful vocal sounds theywere making, was heavenly. It was a wonderful evening, anevening that you never forget. 152

Chapter 10 What I remember most is how afterwards we were all sohappy. We went back over to the Forum Pub for a drink beforeI drove them home. This was important: we needed this timeto be together and slowly come down from such an increduloushigh. In the pub I couldn’t take the smile off my face, the girlswere chatting and giggling all the time and every now and thenwe would just touch one another gently with affectionate loveand then a little kiss while looking into one another’s eyes. Lovewas in the air all around us. A mystical wonderful atmosphere.Although the pub was crowded, it was like we were the onlyones there. A magical time.There are people out there that will want to ban this book: try to stop us knowing how good life can be; hopefully,they won’t succeed. I have made it very clear from thebeginning, of the content of this book and you don’t have toread it if you don’t want to, but why should you stop otherpeople from enjoying it. I’ve lost count of the films I have seen,that when it comes to the two main characters making love, hejust sticks it up her vagina and she orgasms within seconds; inthis day and age it’s ridiculous, I then totally loose interest inthe movie because I can’t believe in it anymore. On the fewoccasions when they go a bit further its with films like ´BasicInstinct, not much love and happiness there! Then there’s ´FiftyShades`; as if young people aren’t confused enough withouthaving crap like that around. They never show a film with aman making love to a woman by spending time down at herpussy and her moaning with pleasure. Its fairly easy to film thiswithout going in to too much sexual detail and allowing it topass the censor. 153

Chapter 10 Well, I’m making up for it, in this book: I tell it like it is; notlike they have for the last hundred years by lying to people.How could I experience something like Alisha and Tina and notinclude it in my autobiography? I can promise you; it certainlyfits into the top ten memories of my life. Tuesday, late afternoon at “Mr James.” The days takingshad been very poor: no one had hardly been into the shop. Iwas the thinking of asking Jim, the manager of ´The Forumpub,` and his assistant to come over for some special discounts,to make the takings look a bit better, but Dave Rafferty, themanaging director had rung me at 2.30pm to say that he wouldbe popping in later. So, I couldn’t do that. Dave Rafferty arrivedat about 4.30. Then about 5pm a young Indian gentleman camein, we knew he was a gentleman by the way he dressed andspoke. Also by the way he treated the two men with him, likeservants. He was nice looking, aged about 24yrs of age and verypolite. He said he was an Indian prince, who was the son andprobable heir of the Maharaja of Rajpipla in Gujarat. He had just arrived in England and some of his cases hadbeen lost. Dave Rafferty was practically bowing to him. Ishowed him around the shop and he chose about a thousandpounds worth of clothes. By this time it was 6.15 and he wantedto pay by check. We needed to confirm with his bank that thecheque was good, but we couldn’t, because banks in thosedays, shut at 5.30, I immediately´ heard alarm bells´ as they say.Dave said, “Would you mind coming back tomorrow, when thebank is open.” The Indian Prince replied, “I can’t possibly, weare off to Monte Carlo in the morning.” Check mate. DaveRafferty took me to one side and said, “What shall we do?” Ireplied, there’s only one thing we can do Dave, tell him to pissoff; in the nicest possible way of course. Dave said, “I think he’sOK, he really looks the part, he’s got servants and that refined 154

Chapter 10look that you only get from good breeding.” I replied, “Or goodacting. Look, it’s a thousand pounds (In those days, that was alot of money) he has come in late, so allowing for the banks toclose and must take the clothes with him now. Every one ofthose points say fraud, as manager of this shop, I cannot allowhim to take the merchandise tonight and that’s it, I will go andtell him.” Dave said, “No, as managing director, I am going tooverride your decision Roy and accept his cheque. I’ve just gota good feeling about him.” So, we took the cheque and theprince and his entourage departed with a thousand poundsworth of clothes. Next morning, Wednesday, I was talking to Liz the cashierand Dave Rafferty rang. The cheque had bounced. Poor Dave,but he only had his self to blame. Then Tina walked in, on her own. I went over to her andsaid, “Hi there, beautiful, it’s good to see you again.” Sheblushed slightly and said, “Thank you,” and gave me a lovely smile. “Alisha can’t make it tonight and asked me to pop in andtell you. She’s must go with her parents today to see her nanwho is not very well. Her nan lives in Devon so she will be gonefor a few days.” “Thanks for letting me know, I appreciate it. How are you,I haven’t seen you since we all had fun last Monday.” Sheblushed again. “Yes, I’m good.” “Do you, want to come out with me for a drink tonight.” “Yes, I would love to.” She came back at 5.55pm. I thought she might not, becauseit was a bit late, shop closes at 6. She had made an effort andreally looked good. The staff had all gone on their way, so it 155

Chapter 10was just her and me, I went up to her and we kissed, she openedher mouth to take my searching tongue. Passion was bubblingunder the surface, from the other night, but she wasn’tconfident, unlike Alisha, she still wasn’t sure of how to handlethe situation. Good, I found that vulnerability a big turn on, Iknew how to handle it, but then I had had a lot of practice. Isaid, “Let’s go for a drink in the pub” She replied “Ok.”We were in the Forum, sitting at a table, having a drink. “Tina, how do you feel about the other night. Waseverything ok, did you enjoy yourself?” “It was fantastic Roy, I never knew it could be like that, Ihaven’t been able to think about anything else.” “Do you want to come back to the shop and we will do it allover again, just me and you?” She looked beautiful and slightly blushed as she said, “Yes, can we go now please, I don’t think I can wait anylonger.” We were upstairs, in the shop next to the bed. I said “Right,see who can take their clothes off first,” she won, I think it’seasier for girls! We stood there naked; she was so beautiful,very near full bloom, her snowy white skin was so fresh andfirm. We kissed, our tongues were licking and sucking eachother, while our hands and fingers caressed all parts of eachother’s bodies, she then turned and jumped on the bed and Ifollowed. I said, “I’m going to give you lots of love and be very gentlewith you tonight because I love you so much.” She replied, “That’s just what I want.” I started off by goingdown to her feet and kissing them very slowly and verylovingly. She was giggling, she was so happy, such a lovely girl.I felt I was so lucky to be with her and be this happy, but youhad to make it happen and most of the time I did. Then I moved 156

Chapter 10slowly up, licking all the time. I ran my tongue along the insideof her thighs, parted her pussy lips and breathed hot air ontoher clit. I fingered her clit a little and then kissed and licked theinside of her thighs again, I looked at the dark brown, tight littlecurls of hair that surrounded her pussy, I stretched her pussyapart and lightly ran my tongue over her pussy lips. She cried, “Oh God Roy, Oh God Roy, please love me.” I then startedgently sucking and licking her pussy, to the music of her moansof pleasure. We had a wonderful time. I regularly saw Alisha and Tina. Sometimes separately andsometimes together. In either case, the sex was incredible, oneof the best times of my life. They were fantastic people,generous, kind and trustworthy and I will always love them. Alisha’s parents moved up north, where they had a lot offamily and friends and she decided to go with them. Tina andmyself carried on for a while, but eventually she met anotherguy. Remember I was happily married and there was no way Iwas going to leave Ann. Not in a million years. She might leaveme, but I would never leave her and any girls that I had affairswith, quickly realised this. I loved Ann, but we married very young. I loved womenand if the opportunity arose, was not going to miss out on allthat new, mysterious, wonderful, exciting and dangerouspussy. I was not religious, I believed in ´You only live once andyou’ve got to make the best of it.` In later years, I was morefaithful to Ann: by then I had sown my oats and was gratefulthat Ann had kept with me. There were times when she couldhave left me but decided to stay, not only stay but also to putdressings on the wounds and make us both better again. Also,I never ever neglected Ann, I always gave her pussy plenty oflove and attention, she knew how loving I was in thatdepartment; how much I respected her by all the presents and 157

Chapter 10good times all over the world we had together. She must haveknown that a man as successful and highly sexed as I was isgoing to stray from time to time. Ann was the best thing thathappened to me, in my life, by a million miles. As I’ve saidbefore, she eventually became my God and she was the onlyone I believed in. Thank you, Ann, and forgive me for mytrespasses against you. Forgive me for being a sinner.One day two guys came into the shop looking to buy some suits. I was showing them different styles and we startedchatting. They said they were associates of Abbey LifeAssurance Co., whose offices were in Sydenham Road,Croydon, about 5 mins away. One of them was a manager,always on the lookout for new recruits, his name was PaulNewman, definitely not the film star but just as confident andvery on the ball. He said that in the short time we had talked hethought that I should consider going into insurance, it wascareer that I could build into a very worthwhile business for thefuture. This seemed a good idea because menswear was okwhen you were young but I didn’t like to think that I wouldstill be in it when I was older. So, it went on the backburner butI didn’t forget about it. I was having problems with the stock taking. There was alot going out of the shop that wasn’t being paid for. So, I askedAnn, my wife, to come in and be the cashier. I also employed anew salesman that I had known from a shop in Oxford Street,Doug Seiken. Age 30ish, 5ft 6ins, slim, white, English with aslight oriental slant. To call him street wise would not do himjustice. He knew every trick in the book but was an honourableman whose word you could stake your life on. He never let youdown and would always find a way to help you if you needed 158

Chapter 10help. He could also supply the right stuff. Once when I waswith him I realised I had forgotten the keys to my front door.There was a tiny fanlight window to the side of the door. Hewas up and through it within seconds and then opened thefront door and said, “Don’t ever tell anyone what I just did.”Sorry Doug, I just did. We had a good idea of how the stock was disappearing, Ihad five Saturday staff, these were young lads about 17-18 yrs.of age. I was standing in the shop on Saturday morning about11am when Doug rushed past me and stopped a couple fromleaving the shop. He had a receipt in his hand and asked thecouple to open the bag. There was a pair of trousers in the bagthat were not on the receipt, the rest of the clothes were. Thesalesman was cautioned but allowed to stay. Totally because ofDoug’s amazing vigilance and speed, by the end of that day,we never had any more trouble with the Saturday staff andnever had any more stock missing. Me and Ann had a party at our home at 39 Morton Gardens,Wallington, Surrey. We invited all the staff from the shop andany partners they wanted to bring along. Mike Knight was oneof them, he lived next door with his parents who of course weknew as well. Most of the Saturday staff had beenrecommended by one another, if you know what I mean, soeveryone already knew everyone. The party quickly took offand we were having a good time. Liz my cashier was there,Bobby reeves, with his beautiful girlfriend Chrissie and JohnDuggan and Paul Bentley, both Saturday staff. Paul hadbrought his girlfriend, his sister and her friend Emily, who wasa very attractive girl, in a nice, sort of girl next door way. Doug and Jan, who were great fun at a party and also Dougwould keep an eye on everything, just to make sure no one wastaking liberties. Dennis and June Night, Mikes mum and dad 159

Chapter 10popped in from next door, for a few hours. John and Emilylooked like they were getting on well. Everything was gelling.The company was good, the food was good, the music wasbrilliant and everyone knew everyone. We had a great time. Roundabout two am. in the morning, people slowly startedto depart. Eventually, there was only Doug and Jan, Mike andhis girlfriend, John Duggan and Emily and me and Ann. Ipresumed that John was going to drive Emily home. Johnsuddenly said to me in front of everyone else, “Roy, do you stillhave that spare bedroom upstairs, I’m feeling a bit drunk anddon’t fancy driving home tonight.” We were all prettylubricated and tired, so I said “Yeh, OK.” He then said, “Well,I’m pretty tired, so I’m going to bed,” he walked to go out ofthe door of our lounge and then turned and said, “Emily, areyou coming?” Emily, thought for a few seconds and said “Ohyeh, OK.” And they were gone, upstairs. Doug gave me one ofhis looks of disapproval and said to my ears only, “Don’t worryRoy, I’ll sort it out, tomorrow.” Doug new that Ann didn’t care,but he knew I did. He knew, that I was jealous. A couple of days later, at five thirty in the evening, Emilywalked in to “Mr James.” I went over to see her. “This is a pleasant surprise,” I said. “Roy, I’m really sorry about the other evening at your party.Doug spoke to John and said you weren’t too happy. I don’tblame you, I don’t know why I did it,” Now I don’t know why, but I was quite enjoying thisconversation, she was a lovely girl. So I decided to gee her up alittle and see where we went. I said, “You were a bit naughty you know.” “I know, but what can I do ?” “Well, to start with, you can join me for a drink over at thepub.” 160

Chapter 10 “Of course I will.” “We’re closing now, so if you want to hang around for tenminutes, then we’ll go over to the Forum.” “Ok, that would be nice.” We found a table and I went to get some drinks. “ Nice onetonight Roy,” Dave the manager said, cheeky fucker. I walkedback to Emily, sitting at the table. Dark brown hair, down toher shoulders, pretty face, nice figure, five foot six. I couldn’twait to see what her pussy looked like. I knew we were alreadythere. She said she was sorry again, about what had happened andI said, let’s have another drink. The conversation was good andshe was enjoying herself. After three glasses of white wine forher and two Budweiser’s and a vodka and tonic for me, shebecame much more relaxed. The situation became more like meand her and we had forgotten all about Duggy, fucking,wuggy. Then I said, “Do you want to come back to the shop,I’ve got wine in the fridge there and a bed. I think you owe meone.” It was of course, up to her, she could havesaid fuck off and left, but there was a good chance she wouldsay yes. I could have seen her a few more times before Isuggested anything, but I liked the timing of this: it was muchsexier. She looked at me, more like she sort of stared at me. Shedidn’t say anything for a few seconds and then said, “ok.” Upstairs at “Mr James” I poured the wine, nice and cold.Emily was quiet well lubricated now and we had a few sips ofwine and then started kissing gently, which slowly turned intopassionate snogging. Here we go I thought and said, “let’s get undressed and get on that bed.” I started to take my trousers off and she followed suit bytaking her jeans off. Thank God, you never know for sure if agirl is going to follow you, until they do. This particular 161

Chapter 10situation was very much like that and because of that it turnedme on all the more. We were both naked on the bed; Emily lay on her back andwe kissed, my right hand went straight down to her pussy andmy fingers gently caressed the pussy lips. She said “Ooh, Roy, you know how to make me feel good.” I thought, I fucking well should, I’ve had enough practice. Ikissed her lovely white breasts and then sucked her nipplesuntil they were hard and dark brown. My tongue made apathway down to her bellybutton and on to her wet pussy. Ilicked her pussy lips and then gently sucked her clitoris.Pushing the ´pink button` near a woman’s vagina will unlockthe secrets to her deepest sexual pleasures. The clitoris is themost sensitive part of a woman’s body that can send vibrationsup and down her spine when stimulated. Although the ´magicbutton` can transport a woman and her partner to cloud nine,many men and women alike are unfamiliar with it. But I amand so are the women that I have made love too. My two forefingers went slowly into her vagina, I left them there for a fewseconds, I always do, just to let her get used to the feel of them,inside her; gently rubbed her G spot, then rubbed it firmer,while still pressing the magic button with my tongue. As Irubbed her G spot, her white breasts went up and down withthe rhythm. A lovely sight to behold, by now she was moaningwith abandoned pleasure, a pleasure, she had neverexperienced before. Certainly not with Duggy fucking wuggy. I stayed with herpussy for a long time, until she entered that sexual paradise ofpleasure, arching her whole body and gripping the sheets likeshe couldn’t take anymore and then I gave her more. Shelaughed and cried and shook with sexual enjoyment andgroaned, 162

Chapter 10 “Please put your cock in my mouth.” She sucked it so furiously, I had to stop her before I cameand she said, “Roy, just fuck me.” I came into her wet pussy and very gently fucked her, untilshe grabbed the two cheeks of my ass and literally pushed mycock hard, up and down in her vagina and then I went in hardand deep, resting my stomach heavy on her stomach, just overher pussy where on the inside side is her G spot. She orgasmed,moaning and screaming with pleasure for a long time as I alsoorgasmed. We held on to one another, enjoying the sensationsof the moment and then laughing hysterically as we bothslowly came down from the pleasure dome of sexualfulfilment.We laid side by side, having a cigarette and finishing the wine.Emily said to me, “You know Roy, I’m glad John asked me to go up to bedwith him. If he hadn’t, we would never have got together.” “Well yeh, sometimes when something bad happens,something good comes from it.” “Roy, I could really get used to this.”Liz was at lunch and I was standing at the till, when a very attractive girl of about eighteen years of age walked intothe shop. She walked straight up to me and then turned so thatwe were both looking to the front of the shop, not one anotherand said, “Are you the manager.” “Yes” “I really like that dark blue cardigan in the window.” 163

Chapter 10 “Yes, its new in the shop, we have only had it for a coupleof days.” “I want it for my boyfriend. do you have it in a large size?” “Yes, we have all sizes at the moment.” “If I let you fuck me, would you give me the cardigan forfree?” “Yes, I would.”Sometimes I would go to my car, talking with someone, open the car door and have a chat. We would have a cigarette andafter a few minutes go our separate ways. I would then stop attraffic lights, with some guy who was crossing, waving andpointing. I had left my cigarettes and lighter on top of the car.A customer walked into the shop and started to look at the Jackets. He was a good looking man, about twentysevenish. He had a mop of unruly black hair and his clotheswere good quality but a little scruffy, like he hadn’t spent muchtime putting them on. We started to chat and connected straightaway, his name was Tony Douche and he was a jeweller anddesigner at Hemmings, 10 Piccadilly Arcade, just up the roadfrom Sulka’s where I used to work so I knew it quite well. I hadpassed there many times, they had a good reputation. At the end of the conversation we had come to anagreement that if I gave him a good discount on his purchasesin the shop then he would do the same for me if I purchasedjewellery from his shop or if he created something knew forAnn. He bought some clothes and gave me his business cardand that was the beginning of a very useful friendship. Me andAnn went out many times with Tony and with Tony and hisgirlfriend, Julie. He had a flat in Wimbledon and when me andAnn visited he always had his motorbike in the sitting room: 164

Chapter 10he was always doing something to it. Surrounded by antiques,lovely paintings, sparkling chandeliers and the biggest fat cat Ihad ever seen.A police woman used to come into the shop quite regularly to see Bobby Reeves. She was nice looking and well built.I don’t remember if they had anything going on between them,but they certainly liked to chat. One day she invited him to aparty and to bring a few friends with him. So me and Ann wentwith Bobby and his girlfriend Chrissie. When we arrived at the party we soon discovered that otherthan us and a few other people, practically everyone else werepolice men and police women. It was a great party; marijuana,cocaine, speed and all the booze you could drink. Of coursewith that type of back up the music had to be pretty fantastictoo. At about three thirty in the morning the party slowlyended and everyone started to go home. All pissed and out oftheir minds, they bundled into their cars and drove home. For months after the party me and Ann or me or Ann,would be walking along in Croydon and we would hearsomeone bibbing their car horn, when we looked round, therewould be this happy smiling policeman in a police car wavingat us. Shock and pleasure hit you at the same time. On a fewoccasions a police car would sidle up near the kerb and stopbeside us and give us a fucking heart attack, what have wedone wrong ossifer. (That’s how I spell it.) To find a couple ofpolice men laughing and asking us if we enjoyed the party. Thewhole episode was a very pleasant experience and weremembered it with the fondest of memories. 165

Chapter 10When the three of us were in the shop together, it was impressive stuff. Bobby Reeves (Bobby Dazzler.) DougSeiken (The dealer) and me, Roy Prentice the manager. Wecould all talk the talk but in different ways, very stylish goodquality clothes, the latest sounds, not quite blaring out and abed upstairs for emergencies. When girls came in they loved it. “Mr James” was the best time of my life: it had taken meyears to become a cool geezer and now I was having a goodtime, a really good time. This was the real me, anything beforeand after was not. I suppose I thought that if I couldn’t be a popstar then this was the nearest thing, because girls didn’t go withme for my money or to get married, they just thought that I wasthe best person to be with for having a good time. They wantedto be with me because I was me and nothing else, the bestreason in the world and I was going to enjoy it because I knewthat nothing lasts forever. A girl called, Phoebe (pronounced Feeby,) used to come intothe shop from time to time, to see Bobby Reeves. Dark hair cutperfectly to frame her face: Light complexion with light makeup: blue eyes: petite slightly upturned nose and pouty lips likea young child. Her lips had a heart-shaped curvature that drewattention to her mouth and the physical pleasure it had evolvedto give you. She was about five feet, five inches tall, twenty oneyears of age and spoke very posh. Having said that, she alsospoke very hip and with-it. The combination was appealingand the fact that she was also a beautiful girl with a figure tomake you wonder, which part you would make love to first.She liked talking to Doug as well and only occasionally noticedmy presence. Quite frankly, I didn’t mind, I was alwaysfascinated by her and was happy just to hear her talking. Shereally knew how to handle herself. Well brought up. You couldalso see that she had lovely tits beneath her loose fitting jumper. 166

Chapter 10 This went on for about nine months. One late afternoonaround fiveish, she came into the shop and after a moment ortwo walked over to me and said, “Hi Roy is Bobby or Doug around?” I replied, “No Phoebe, Bobby’s not well and Doug has a few days off.Just me I’m afraid” and Liz at the till, who I could sense wascarefully listening. Then Phoebe said, “Oh, shame I like having a chat to them from time to time”in her very attractive posh voice. “Well I know I can’t make up for them, but if you want tocome down another level you can have a chat to me.” “Of course I can chat to you, I just thought you being themanager, you know.” “Look, I’ve got to cash up and close the shop now, but if youcan hang around for ten minutes, we can go over to the Forumand have a drink and a chat there.” “That would be nice.” Back in my happy hunting ground, the Forum pub, we wereboth sitting at a table, drinking our vodka and tonics, smokingour cigarettes and chatting away like there was no tomorrow.She had, had several boyfriends but nothing had come fromthem. Under all the glamour and posh articulate talk there wassomething sad about her. I was surprised to also see that shewas lonely. She never said this of course but you could feel itcoming from her. She was also intelligent, confident andarticulate, but there was a certain vulnerability about her.Perhaps she just hadn’t met the right person, after all therearen’t many intelligent blokes in Croydon. She lived withmummy, had always gone to private schools and daddy hadleft some time ago; she saw him occasionally. She was an onlychild. I told her I was married which she said, she already 167

Chapter 10knew, and a few of the shops I had worked at and we swappedstories about the night clubs we’d been too. I was certainly not going to invite her back to the shop atthis stage. So closing time came and I asked her if she had a car.No, she could drive but used her mother’s car: her mother wasout with it tonight. So I offered to drive her home and sheaccepted. We were both quite pissed and as we walked to thecar I thought of stopping and giving that posh lovely poutingmouth a good snogg, but decided against it. I never feltcomfortable with her and that’s why I was just happy to listenwhen she was talking to Bob and Doug. As I drove her home,she was talking most of the time, very posh, very la de dah, shefascinated me, I thought I will drop her off home and saygoodnight. It had been a pleasant evening.A very nice detached house, pity I wasn’t going to see theinside. We were at the front door and I said, “Well thanks for a nice evening, I really enjoyed yourcompany” and turned to leave, she said, “Is that all, aren’t you even going to kiss me goodnight.” Ithought, she wouldn’t have said that at this time of night, whenwe’re both pretty pissed if she doesn’t mean it. We kissed; veryslowly and gently, with lips parted slightly to see how we felt.We then snogged like there was no tomorrow. She said, “Do you want to come in,” “What do you think.” She told me her mother was in bed and we would have togo past her bedroom to reach Phoebe`s bedroom. We quicklyundressed and got into bed, she had a terrific body, she said inher posh voice “You know Roy, all the time I’ve been cominginto your shop, it’s you I wanted, I just didn’t feel confidentenough to tell you.” We kissed long and passionately and thenshe went down to my very hard, very big penis. She took hold 168

Chapter 10of it expertly, while talking all the time in her posh accent, shethen dribbled her slaver over the head of the penis and let hertongue work it in and around, then she gently pulled theforeskin down, and, wait for it, I had been seeing this girl andlistening to her posh articulated voice for the best part of a yearand now was about to savour a moment that I would cherishfor ever. She said in her posh, posh voice “I’m weally, weally going to enjoy this” And stuck it in her mouth and stopped the fuck talking. Awonderful site to see her sucking my cock and then taking itout and licking it like a lolly pop, slowly turning her grip on itand then putting it back into her mouth and sucking. All thisdone with total concentration and occasionally looking up atme with a look of Servitude. (The state of being a slave orcompletely subject to someone more powerful.) Silence, exceptfor the sound of her licking and sucking tongue, is golden. “Ok, my turn.” I said. She came up to me and we kissedpassionately. I gently caressed her big firm white breasts andsucked her nipples until they were big and black. My tonguelicked along her lovely belly and sank into her belly button andthen followed that well known path down to her pussy.Surprise, surprise, she had a tampon on and the thin whitestring hanged out of her lovely proud black haired pussy. Isaid, “Can we take the tampon out please.” “Oh sorry, I forgot it was still up, I’m finished now, I willjust take it out.” And with that she was out of the bed into the bathroom andback again. I kissed the inside of her thigh several times and then ranmy tongue down to her pussy. Then did the same to otherthigh. Kissed and gently licked both her groins before going 169

Chapter 10into the pussy and licking the pussy lips and gently feeling theclitoris with my tongue until I felt the right responses. Istretched her asshole apart with my fingers and licked and thensucked hard right up the hole. She cried “Oh god Roy, oh God,”I went back to the pussy and gently licked and sucked, thenmassaged the G spot, went up and kissed her gently on an openpanting mouth, as my penis, entered her vagina. “Ohhh, thatfeels so good” she said through clenched teeth and thenrelaxing to join the sexual rhythm of our bodies fucking oneanother. We reached our orgasms, moaning and pulling eachother to finally achieve every tiny bit of sexual satisfaction, withPhoebe crying out, “fuck, fuck, fucking hell” and both of usgiggling uncontrollably with all inhibitions blown away by theincredible feeling of sexual pleasure and love. We lay side by side exhausted. She had not spoken for sometime and then turned to me and said “Roy, can you cuddle me please.”In the time that I had managed “Mr James” there had been three different girl cashiers. Each one banked up at the endof the day. 6pm. And we were lucky to get away by 7pm.In between jobs my wife Ann came to the shop and helped meout for a few weeks until I found a new cashier. On the first daythat Ann cashiered, at 5.45 pm I asked her if we would be ableto leave the shop by 7pm. She said, “We can leave now if youwant, I bank up as we go along.” That was typical Ann. Never in your face, laid back andalways understated in her conversation. Very intelligent, lots ofcommon sense and would fight my corner to the very end. Inother words, a class act. I was always extremely aware that Iwas a very, very lucky man that Ann was my wife. 170

Chapter 10 One Saturday night, me and Ann went out to dinner, likewe usually did and then went on to our regular night cub´Scarlets.` While we were there, we took a little speed, smokedsome marijuana and drank a few vodka and tonics. When wearrived home, we didn’t bother with any more drinks and wentstraight to bed to make love. Ann undressed within secondsand went on to help me undress. We were on the bed with Annsucking my cock expertly, while at the same time fingering herclit and then massaging her G spot, it always amazed me athow rough she was when massaging her own G spot. Ann thensquatted on my penis going up and down, I took her off andturned her on all fours and fucked. We made love in everyposition known. After having incredible orgasms together, Ann said, “Don’ttake it out, I need your cock to stay in me it feels incredible, justleave it in” She started to finger her clit again, after a couple ofminutes she said, “Oh Roy, you’re getting big again, ohh, I’mgoing to come again, oh God” and we both had very strongorgasms. I eventually took my cock out of her pussy and laidback, “How do you feel darling” I asked. She replied, “I can’tget rid of the feeling, hold me.” She slowly came down. I hadto put my track suit and trainers on and go for a run to lose thefeeling of another orgasm. On the Monday I asked Doug whatsort of speed he had given me, he said just the usual. Whateverthat meant. 171

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11 Abbey Life *Eventually, my enthusiasm for menswear was beginning to wane and I was thinking of the life assurance business. So, I got in touch with Paul Newman andarranged to see him. After the initial meeting at the Croydonbranch, he arranged to come to my home. (39 Morton Gardens,Wallington, Surrey) and discuss the position in more detailwith Ann present. This could be a tough job at the beginning:working some very unsociable hours, sometimes for no returnthat one could initially see. It was very important that your wifeunderstood this; without her backing you had very little chanceof succeeding. The meeting went well. After talking this overfor about a month or so with Ann, I decided to give it a go.Although it was commission only based, Abbey still fundedyou a little at the beginning and Ann was still working full timeas a manager of the wages department for a big Hospital. Sheearnt good money and of course this gave me time to succeedin the business. A lot of associates started in the business witha wife and two or three children: that must have been morethan difficult. At the beginning the life insurance business was verydifficult, nearly impossible. I had to learn a totally new way tospeak, it was like learning another language. For years inmenswear I had spoken a type of hip talk, sentences that wereno more than three or four words. Now I had to learn a totallydifferent type of talk: financial waffle that went on and on. But 173

Chapter 11at the end of the day they both came down to the same thing,to sell your product. I mastered the financial talk by readingAbbey Life selling scripts (which actually, were very good). Iwould read them first thing in morning when I got out of bed.In the toilet, having lunch (sandwich). Anywhere andeverywhere. I did a lot of cold calling: ringing local business`s to arrangeappointments to discuss pensions, life assurance etc. We werealso advised to contact friends and relatives to sell our productsto. I received a lot of help from these friends but I really didn’tlike it: to me it was like begging. The first sale I closed was with an owner of a newsagents inWandsworth High Street. I had phoned him cold and heagreed to see me. When I arrived I had my sales chat / scriptall ready to convince him that he needed a pension. He was areally nice man of about forty five and agreed with everythingI said and at the end said “Yes your right and Abbey Life are awell-known company so can you arrange it for me?” Sure can,bingo we’re off. The next one was more difficult, a manager of a petrolstation. A cold call again, well they all were all cold at thebeginning because you had to have clients to be able to getreferred leads. When I arrived he said “You can come into myoffice but it’s a waste of time because I’m just not interested inpensions at the present time.” I nearly gave up there and thenbut remembered what I had been taught in training. So, I wentthrough the whole script and at the end asked him to sign onthe dotted line, then sign his direct debit and make the firstpayment by cheque payable to Abbey life. Which he duly did.I couldn’t believe it, I thought I had no chance. A very hardplod. I had also started to look for other jobs because I wasbeginning to get disillusioned with the life insurance industry. 174

Chapter 11Then a sequence of events happened which changedeverything. Firstly, my brother John, contacted an old school friend ofhis, Terry Egan, who run a successful business just across theroad from our offices. Terry was in the process of setting up apension scheme for his employees and John talked him intoallowing me to present The Abbey pension scheme. Togetherwith my manager Paul Newman we arranged an appointmentto see him. After several meetings, Terry decided to place his businesswith me. The problem was he did not want to go with AbbeyLife because he thought the Legal and General scheme wasbetter; this created a problem between my brother and me. Paulnew an independent financial advisor who could place thebusiness with L&G and pay me a percentage of the initialcommission, but no future increments. This turned out to bebad for me regarding my relationship with my brother. He hadreally kept on at Terry to do the business with me and I hadagreed to pay my brother a third of the commission that Ireceived, which he thoroughly deserved. But because it was notdone with Abbey Life, the commission was nothing like I toldhim it would be because the IFA had to take his cut. So, theamount I gave him was much less than he rightly expected.Although I explained the reason for this, I felt he didn’t entirelyaccept it. The good news was that this had at least given medecent commission which kept me surviving in the businessand some experience of company pensions, which would bebig business in the future. Also at this time, my brother John put me back in touch withTony Hughes my old tennis foe. Tony worked in Lloydsheadquarters at Gresham Street in London and he invited meto go over there and see him. When I arrived, he showed me 175

Chapter 11around the building. At the time it was a very impressive setupand I was impressed. Afterwards he took me to lunch in a localpub and we chatted. He explained all the workings of anenormous set up like Lloyds and I found it very informative.He also said that Abbey Life were a very successful, forwardlooking company and really looked after their sales force. Tonylooked good, very smart, still happily married with twochildren and he seemed confident but also content. I enjoyedthe day and it was important for me to get this type of meetingat this early stage in my new career. I will always be grateful tohim for taking the time out to see me and telling me howsuccessful I could be in the industry if I persevered. One of the first things I did when I was coming of age in theinsurance business was to buy a quality car. Roy Westcombehelped with this. I went to see a perspective client with him, theclient was mine but because of the type of product I waspresenting to him , Roy offered to come with me and lend ahand. We went in Roy’s car: a 3500 V8 Rover. Beautiful car:light tan body, leather interior and automatic. We were goingalong slowly, behind about four cars when Roy said, “fuck allthis” and put his foot down on the accelerator; we went pastthe cars as if they were standing still and I’m sure I felt the windgo up my trouser legs. I wanted a car like this. A month or so later I had found the car, a 3500 V8 Automatic(P6) Rover, low mileage, beige body with a dark brown roofand light tan upholstery. And that wonderful big steeringwheel with the ultra-fine handle that always reminded me ofhandling an elegant young lady. Roy Westcombe went with me to check it out, the carshowroom was in Wallington, a few minutes from Croydon.Roy had, had dealings with them before, he said they were areputable company and had been in the area for many years 176

Chapter 11and built up a good reputation. He looked the car over andasked to see certain documents and then confirmed that Ishould buy it. He also asked the dealer to make the invoice outin a certain way that would be beneficial to my accounts. A joy to ride. Automatic: no gear stick to think about so Icould concentrate on the road and think about the appointmentI was going to and power to be able to accelerate from anydanger if it occurred. It was like driving along in a house andfelt just as safe. This is one of the reasons it was important to have a goodcar. I travelled to Harlow, just off the M11 to see someperspective clients concerning personal pension schemes. Theyhad made enquiries with our head office at Bournemouth andHO had farmed it out to the Croydon branch. I can’t rememberwhy now because there would have been Abbey branchesnearer. Anyway, it was a hell of a journey and all in the rushhour. After two and a quarter hours I finally arrived. The officeswere set in a sort of run down business estate. The rain waspouring down; by the time I stepped out of the car and wentinto the building I was soaked. I was led to an office where fivemen were sitting. They all wanted personal pensions. Afterabout half an hour I realised that they didn’t want pensions atall, they just wanted to take the piss. I left the offices andwalked back to my car, thankfully it was still there: on thisbusiness estate, you couldn’t take anything for granted. Put thebriefcase in the boot and got into the car, I was really brownedoff. Put the key in the ignition and drove off; it was like drivinginto heaven, the wonderful feel of driving the car, it was such ajoy. The appointment was immediately forgotten. 177

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12 The nightclub Scene *We still kept in touch with Doug and other people from ‘Mr James`. We went to see Daryl Hall & john Oats at the Hammersmith with Doug, Jan and a fewof the others. Just before the concert started Doug gave me ajoint, not sure what was in it. I took a few drags and the leadguitarist came on with one of the best solo’s I’ve ever heard. Atthe same time, I left my seat and started to go up like a rocketship. Up and up I went. I was starting to get worried: I was nowapproaching the roof and it seemed like I was going to gothrough it. Just before my head went crashing through, Istopped and slowly come down to my seat. Ann said “You ok”“I am now.” We went to see Hall and Oats at the Fairfield Halls withDoug and Jan. Half an hour before the concert started, Dougsaid to us that he was just popping somewhere and wouldn’tbe long. He came back after ten minutes and told us all tofollow him. We walked down a long corridor turned right andleft a few times and then went into a room where John Oakswas standing , no bodyguards no anybody. We said hello andchatted, I asked him where Daryl was and he replied, hedisappears for half an hour before a concert. I thought shamebecause he was the one I wanted to meet. Just to digress for a while, when I was still at “Mr James” Iwas introduced to Pantiles nightclub in Bagshot by DaveRafferty the Director of “Mr James.” Me and Ann would go 179

Chapter 12there regularly, a couple of times a month. A big oldie woldybuilding with an enormous carpark; on dark nights attendantswould hold lighted lanterns and direct you to a space. There would be the usual bouncers on the door and oncepast them you would pay your entrance fee at the table mannedby several older people, the main one being the managerFranco. Once checked in there was a couple of bars, a goodrestaurant, a terrific barn type of dancefloor with an enormousbeamed ceiling; great DJ and a balcony high up where abeautiful young girl with hardly anything on would bedancing. It was all very spacious but always packed withpeople. I would dance there some nights really pissed and usedto feel that the only reason I was still standing was because ofmy jeans, which were so unbelievable skin tight you felt theywere keeping you upright. One Saturday night we took Doug and Jan along. Theyreally liked it and we were having a great time when Doug didone of his disappearing acts, as usual after about ten minuteshe returned and told us that he had just been talking to Francothe manager. Among other things that I didn’t wish to knowabout, Doug mentioned that we worked at a menswear shopand Franco started talking about how he was always lookingfor fashionable evening dress shirts and bow ties as he had towear them in his position as manager. Doug told him that hewould speak with me and was sure I would be able toaccommodate him. The following Saturday, me and Ann went back to Pantileson our own and when we arrived I asked to speak with Franco;one of his staff took me over to the bar that he was drinking at.I presented him with two of the latest style dress shirts andbows. He was a big good looking gregarious Italian, aged about 180

Chapter 12forty five to fifty, and when he opened the boxes and saw thegarments, he looked like he had just won the football pools. Hewas so pleased and immediately invited us to his home the nextday for Sunday dinner. He also arranged for me and Ann to begiven executive membership cards for life: this allowed usaccess to very nice cosy parts of the club that was normallyinaccessible to ordinary folk. Both cards had the samemembership number, 007. I kid you not. On the Sunday Ann and I went to Franco’s house,detached, in a half acre of ground. We had a lovely time thereand the food was superb. There was about twenty people anda few children and everyone seemed to know one another,some very interesting characters. One, Giovanni an Italian ofcourse, was a very impressive man, about forty five years ofage, tall slim but well-built and very good looking. Hisconversation was very articulate but also very street wise. Hehad a powerful presence and seemed to be well respected byeveryone there. His business? Import, export, sanomor. Hiswife Annabelle was also tall, very beautiful and elegant, aboutfortyish. During our conversation with them through theevening they invited us to join them for Sunday dinner thefollowing week. This time we didn’t go to Pantiles on the Saturday but justtook it easy so we would be fresh for dinner at their place onthe Sunday. We arrived at Giovanni’s home at two thirty in theafternoon, blue sky’s but a chilly wind, the ides of March. A bigVictorian mansion, a few miles from the club. Inglenook fireplaces, stained glass windows oak panelled dining room andlibrary, antiques and glass chandeliers everywhere and anenormous conservatory and kitchen. All in an acre of grounds,kept of course immaculately. 181

Chapter 12 He had three grown up children and they were all there, thetwo boys with their partners, the girl, Maria who was theyoungest eighteen, was on her own. She was absolutelystunning: beautiful and very elegant in all her movements. Ithink the word class was invented especially for her. Slim, darkbrown hair that framed an oval face with perfect featurescrowned by big brown almond eyes. We went to their houseseveral times and became friends over the years. We eventuallydiscovered that Maria did have a partner, a girl, they were bothlesbians. In those days it was very taboo, not like now. We mether partner, also very beautiful. I thought how much I wouldlike to see them both making love to one another, what abeautiful sight, perhaps occasionally they would let me helpout. I even considered a sex operation, if that would’ve let meget nearer to Maria’s pussy, but alas that was not to be. We became friends with Giovani and Annabelle andenjoyed some good times with them. Their children were verymature and respectful, they had all been brought up in privateeducation and it showed. Without repeating myself, I must sayonce again what a wonderful person Maria was, so thoughtfuland caring. Seeing her and Ann talking to one another madeyou feel that this is what a dinner party must be like in heaven.Once again this friendship only came about because of DougSeiken. Sometimes he fucks up. About a year after I had left “MrJames” Doug rang and asked If me and Ann would like to cometo a party at his place. There would be some old friends therefrom the” Mr James” shop. A sort of reunion. It was a goodparty until Liz, who you may remember, had been one of thecashiers there, started to go through her past lovers, with arating from poor to very good. I wasn’t in the room at the time,but my name was mentioned and apparently, I was very good. 182

Chapter 12From what I can remember, I was so drunk I couldn’t have beenthat good. Anyway, Ann heard this: end of party. Over the years me and Ann went to several other nightclubs. The Blue Orchid was Croydon's infamous and mostpopular nightclub which attracted thousands of clubbersduring its 18-year reign. The two-discotheque club, in ParkLane, was the hottest place to go to for young revellers wantingto hear the latest tracks and meet with mates, without breakingthe bank on a night out in London. We enjoyed going there forthe first two to three years when the décor and everything wasbrand new and impressive. The Chinese restaurant wasbrilliant: perfect for a light meal before the evening’s festivities.Unfortunately, after two years new owners took over therestaurant and it became absolute rubbish. A year or so laterthe club itself lost its initial glitter and that’s when Ann and mestopped going there. Apparently in later years the club becamenotorious for attracting underage drinkers, earning it thenickname the Blue School Kid. Well I told you what they werelike in Croydon! Scamps nightclub was very popular, me and Ann used togo there regularly and the blue anchor in Purley. These placeswere all within easy reach of Kingswood: you could drive backhome up the Brighton Road to Coulsdon, right into ChipsteadValley Road which turns in to Outwood lane, right at theKingswood Arms and all the way up Furze hill to our lovelyhome; totally pissed and live to tell the tale. Another place we used to go to was Thirty Four SurreyStreet: a restaurant, bar and jazz venue; they later opened avery attractive wine bar downstairs which was more like anight club. The establishment was owned by two Americanguys from California and they certainly brought the Californiasunshine over with them in their personalities and everything 183

Chapter 12they did. Both aged about thirty fiveish: one was a tall, big,well-built guy and the other one of normal height and slimmer.They were both really nice people and the whole place had arelaxed and comfortable atmosphere. There was also a fantasticcoloured parrot called ´snobby` who they used to have in a cageon a perch. It would say “I’m snobby, better than you” for asecond or two, it made you feel inferior. Snobby was owned bythe bigger owner, I apologise to them but I don’t remembertheir names, funny really because I remember Snobby’s name. Anyway, one evening we went there and the owner, thebigger one, was looking a bit jaded so Ann asked him what waswrong? Apparently he had taken Snobby home one eveningbecause he wasn’t his usual self and was going to take him to aparrot doctor, I’m not sure if vets deal with parrots becausethey talk back. Overnight his house was broken into and yesyou’ve guessed it, they stole the parrot. Of course he felt like hehad lost a dear friend but when he told me how much theparrot was worth I could understand why he felt, as sick as aparrot. The restaurant cooked barbeque or grilled breast of chickenand fish. They introduced a lot of new dishes like sword fishand Octopus, well it was new to Croydon, accompanied withsalad and cannery potatoes. The jazz band was made up of fourmusicians and a very good girl singer who sang just likeBlossom Dearie(Blossom Dearie was an American jazz singer and pianist. Shehad a recognizably light and girlish voice. One of the lastsupper club/cabaret performers, she performed regularengagements in London and New York City over many years.She collaborated with many musicians, including JohnnyMercer, Miles Davis, Jack Segal, Johnny Mandel, DuncanLamont, and Dave Frishberg, among others.) 184

Chapter 12 The album I had was the vinyl LP “Soon It's Gonna Rain”Lost in “the great move of 2012” which I will come to later. There were seats and tables for patrons to drink theircocktails or whatever, while they listened to the jazz. Iremember me and Ann taking my sister Joan and her husbandFrank there with some other friends. They had come over for avisit, from America. We all had a lovely meal there andafterwards had a few more drinks while listening to the music.At the end of the evening, as the band finished their final seteveryone clapped to show their appreciation and then Frankstood up and went to the stage and gave each musician and thesinger a tenner each. The equivalent of today’s money, fortypounds, times five, two hundred pounds, not bad for Croydon!Joan wasn’t too happy about it. The only downside was thatearlier during that evening an iron bar had come crashingthrough a fanlight window which was a little scary, fortunatelyno one was injured. But Croydon will be Croydon. Joan and Frank were staying at the Royal Garden Hotel, inKensington, London: for about ten days and invited me andAnn over for a meal there. Wow a very posh affair it was too.They then showed us their suite in the hotel which was verynice, I’m not sure if they had their three daughters with themor one or two. My brother John’s wife, Dee, was the manageress of theValbonne night club in London and they had asked her toorganise the opening of a new club: ´Skindals` in Maidenhead.They then wanted her to manage it for six months until it wasup and running. After she had been at the new club for a fewmonths she asked me and Ann if we would like to go, of coursewe said yes. So one Saturday evening, Dee arranged for herselfto have the night off and together with John, the four of us wentthere. Very impressive club, quite luxurious with good music 185

Chapter 12and individual compartments where you could see all that wasgoing on but still retain a certain amount of privacy. After a while I smoked a joint which didn’t go down to welland I felt sick. Sometimes, initially, this would happen and thenyou just gave it a few minutes and then you would feel good.But I felt like I had to get some fresh air so I went out. As I wasgoing out the door a bouncer said to me “You ok mate, youdon’t look to good.” I replied “Yeh, just need some fresh air.”And went out. I walked to where cars were parked andsquatted between two, crouched down low and just drifted.Within five minutes I felt OK, well actually I felt fuckingbrilliant. I walked back, upright and rolling my shoulders likeI was doing a weight training session, the bouncer said,“Blimmey, if everyone was like you, they wouldn’t need us.” Itwas a great night. 186

13 People who were my clients *I had done some cold calling and arranged several appointments. One was a green grocer shop in Thornton Heath. I arrived there at about 5.45 p.m. It was winter andjust getting dark. I was impressed by the way the shop looked:good bright lights and the fruit and vegetables shone like eachone had been polished. The whole shop gave a very welcomingatmosphere; the proprietors were Barry and Jacque Hales. Wegot on very well and arranged an appointment at their home todiscuss the proposals further. I sat there in the lounge with a cup of tea at my side (whichwas always a good sign) and we started talking. Jacquesuddenly said “Roy Prentice! Roy Prentice!...... did you go toLoughborough school?” “Yes” I said rather warily. “You werethe top goal scorer every year. Every Monday after we sanghymns they would ask you to stand up and would describehow you had got the winning goal yet again. You were famous.Me and Sandra Lewis idolised you. We were two forms belowand really, we both loved you.” If I had only known this, Imight have been able to start my sexual education a lot earlierthan I did, but probably would not have been so famous.Suffice to say we did the business. Jacque was a very niceblonde lady and Barry was an exceptionally nice man. Wearranged a pension with a fair amount of life cover attached. Two years later, Barry died of a heart attack. For Jacque,with two small children, the life cover was invaluable. At the 187

Chapter 13funeral, they played Barry’s favourite song Elvis Presley’s´Always on my mind` which he dedicated to Jacque. Needlessto say, there wasn’t a dry eye in site. I had clients in Dartford. A very nice young married couplewho had just received the news that they were expecting theirfirst child. I had arranged the relevant life assurance a yearbefore, the cover was called Living Assurance. The plan paidout in the event of death and also if you had a serious illnessand survived. The wife went into hospital and had the baby buta few minutes after, had a heart attack. Fortunately, she madea complete recovery, so we submitted a claim for the livingassurance. There was a discrepancy in the claim about whethershe had this condition before we arranged the cover. Thesurgeon who had operated on her wrote a very detailed letterto the Abbey claims department explaining that this wasbrought on by the pregnancy and not by a long-term condition,which Abbey accepted. The amount of the cover was 250,000pounds. After it was paid out I went to see them to make sureeverything was ok. The husband was happy, the baby washealthy and the mother was gorgeous. She had looked goodbefore the heart attack but because of it she had been told tolose weight. The difference was amazing. She really lookedbeautiful. I arranged a life cover policy for a married couple inOrpington. He was 35 yrs. of age and she was 33. They had twochildren 5&7. They had no life assurance at all and just did notbelieve in it. A few hours later I had convinced them of whythey needed to take out life assurance. It was a very hard salebut we got there in the end. Nine months later he rang me to say his wife had died. Shehad caught the flue, which had then turned into Pneumoniaand died shortly after. It all happened within a few weeks. She 188

Chapter 13had never had a serious illness in her life. The 150,000 pounds’life assurance was a godsend, his words not mine. Now hecould at least take some time of work and spend it with hischildren who needed him like never before. Clive was an architect who ran his own business with 10employees. I was introduced to him by his accountant MikeKapnisi. Married with two young children. The business wasgoing from strength to strength. He was a very fit man of 31yrs. of age with an excellent career before him. I arranged acompany pension for him with life cover of 4 times his salary.280,000 pounds. The scheme had been in force for about 3 yrs.when one day his wife rang me. This was unusual because theonly dealings I had, had was with Clive at his office and I hadnever spoken to his wife. She told me that Clive had been killed.His hobby was sky diving, which I knew about because we hadto mention it on his application form and he was charged anextra premium. The wind was quite strong on the day so hejumped off and at that precise moment the wind dropped tonothing. When he hit the ground, his neck broke immediatelyand he was dead. I went to his home for the first time to complete thenecessary paper work. His wife Julie and her two children werein the lounge. They were devastated. It was very upsetting andbetween her sobs she told me that the life cover was the onlyreal capital they had and it was a life saver for the children.Sometimes I don’t know how I would’ve coped with thesesituations if I had not had Ann at home waiting for me. Another client that stays in the memory, this time not anunhappy ending is Dave and Kiara. I mention them simplybecause they were an unusually suited couple. He ran his ownbuilding company. Thirty years of age, a rough and toughcockney from Bermondsey, London. She was a beautiful 189

Chapter 13elegant Indian girl of Twenty six. They had a delightful littlebaby boy. Dave’s hair was blond and of course Kiara’s hair wasblack. The baby’s hair was pink. No only joking, blond, evenmore blond than David. Kiara ran her own dental clinic andwas a fully qualified dentist. He`s roughness against herswanlike elegance was fascinating, but there was no denyingthe sexual chemistry between them.I went to see clients at Clapham Common; they had a large Edwardian house just off the common. The house lookedover a main road and then over the common. Five big beigesteps, led up to the impressive Edwardian white door. Johnand June were fifty one and forty six respectively, they had twochildren, a daughter Zoe who had left the nest and was marriedand a son Julian, eighteen who lived at home. Julian was goingto college and eventually hoped to go into law. John was anartist and I had been recommended by his accountant to talk tohim about pension arrangements because recently his workhad become very popular and of course this meant he wasstarting to earn a great deal of money. June was a linguist whohad, had a steady income for many years and already hadpension arrangements. The large rooms and big sash windows gave a very pleasantfeel to the house in general. John had a lovely spacious studiofor his paintings and June and Julian also had their own officeswithin the house. The interaction of the family seemed veryrelaxed and happy and in fact happiness was what you feltwhen you were in this house. A house where people loved oneanother while pursuing their own professions. I left all thedetails of the pension plan with John who had agreed to goahead with it but just wanted to decide how much he wanted 190

Chapter 13to contribute. The accountant had told him to put in themaximum which was fifteen percent of his net profit but he stillwanted to think about it and was going to talk to the accountantonce more with regard to the amount of contribution. So weagreed to a farther meeting at the house on the Thursday ofnext week. Thursday came and I walked up the steps and rang the bell.June answered and led me into the passage, she said, “SorryRoy, can’t discuss anything at the moment. Julian was stabbedto death yesterday when he answered the front door. Johns ina terrible state, I don’t know if we’ll survive.” I drove back home in a dazed state, depression came intome and I had to stop the car and get out. I started walking toclear my head, I couldn’t quite come to terms with what hadhappened. A lovely family just blown apart in a couple ofseconds, I then became aware of where I was walking, a roadjust off Tooting Bec station which was a dingy horrible dirtyroad and made me feel even worse. I hate this part of the worldand realised, that when I felt like this there was only one placeI wanted to be and only one person that could help me: in myhome in Kingswood with Ann.The week had been an exhausting and difficult one: long hours and a lot of travelling, all over the south east ofEngland, to see various clients. Sometimes you would arrive attheir homes, after a couple of hours of driving, to find that theyhad forgotten you were coming and watching television. Stillthat’s business, or it was, until one day out of the blue,something happened which changed my working lifeconsiderably for the better. Tuesday morning at the Abbey Life,Crawley branch. I was just leaving my office to go to see a client 191

Chapter 13in Maidstone, when Sue my PA came in (her office was nextdoor to mine.) and said that John Radley, an existing client, wason the phone and desperately wanted to see me. He needed meto arrange a mortgage for him urgently: otherwise he wasgoing to lose the house of his dreams and more importantly,his wife’s dreams. The week was filled up with appointmentsso I told Sue to tell him that I could only see him and his wifetomorrow morning, at my office at 10.30. My fee would be 600pounds up front and I would be arranging the life cover for themortgage. John lived in North London which is a hell of a wayfrom Crawley in Sussex and I thought all this would be enoughto get rid of him. I had to go now, to get to my client inMaidstone on time and I was rushing out the door. My PAshouted after me “John said they will be in your office at 10.25.Will cash be OK.” I’m driving down to Maidstone and all I can think of is whythe fuck am I doing this when I’ve just discovered a whole newway of doing business: the mortgage market, here I come! Withall the fun and games, and danger that it brings. One other thing that happened at that time, was I had beentrying to contact an associate, Charlie Jacques. He was one ofthe top associates in Abbey Life, a really big earner. His mobilewas always busy and I wasn’t having much luck, so onemorning I decided to ring him at eight thirty. He answered andsaid, “Hi Roy, can you make it quick, I’m in Halifax at themoment with their mortgage manager.” We finished ourconversation and as I put the phone down I thought, if someonelike him is having meetings about mortgages at this time in themorning, then why the fuck ain’t I? When I first decided to get involved in mortgages, I visitedthe business offices of all the main lenders that I would bedealing with: to introduce myself to the people that mattered. 192

Chapter 13 One of the lenders, Abbey National, had their mortgageoffices in Reigate, Surrey. I went along to see them. As I wasshown into their offices, I was surprised to see thirty to fortypeople sitting and standing around, dressed very casually.Standing up and talking on the phone or sitting down, lookingat the computer. In those days, for example, in Abbey Life’soffices, everyone wore dark suits, with a white shirt and tie. I was introduced to the manager, who was sitting at hisdesk, partitioned off from the rest. A young man of abouttwenty eight years of age. He was dressed differently. Nojacket, dark blue shirt, white tie with a slight pattern. I don’tremember his name, because everyone used to call him Al,short for Al Pacino, when he acted in the movie ´Scarface.`Because he looked and acted so much like him and also becauseof his work ethic. He was a very nice guy and knew thebusiness inside out. Towards the end of the mortgage boom era, I will alwaysremember an incident regarding my mortgage. I waspurchasing a property and required a mortgage of fivehundred thousand pounds, which was a lot of money in thosedays. The mortgage market was very busy and the processinghad nearly come to a standstill. The Estate agents werebeginning to hassle me: when was I going to receive mymortgage offer? I was in my office and had just spoken to oneof the girls at Abbey National, concerning my mortgage. Noluck, it seemed that we were playing silly buggers and gettingnowhere. I was starting to get a little worried. (We as mortgage brokers had the facility on our computers,to track all mortgages from inception, right through untilcompletion. For example, you would go in to into say, Jo Bloggsmortgage and see. First stage = mortgage application received.Second stage = accepted in principle Third stage= income 193

Chapter 13verified. Fourth stage = valuation instructed. Fifth stage= goneto offer. And so on.) So , I phoned Al. He said “Don’t worry, I will have a look atit.” After about ten minutes he rang back. “Hi Roy, you’ll haveyour mortgage offer tomorrow.” I replied, “But Al, that’s notpossible, they haven’t carried out any checks yet.” He replied,“Don’t worry, I’ve done it all, its sorted, offer tomorrow; talksoon.” I went on to the computer and went into my application.Fifteen minutes ago, the only stage that had been accepted wasthe first stage, mortgage application received. Now everythinghad been accepted. I had borrowed three quarters of a millionpounds. Not only without proof of income but also, withoutproof that the property, even existed. Crazy lazy, days ofsummer! Shortly after this, the mortgage market burst its seams andcompliance and regulation took over. Al was made an areamanager and was kept well away from mortgages. I went to see a builder in Thornton Heath. I had beenrecommended to him by an existing client. He was a colouredman from Jamaica. He had no pension arrangements so we hada lot to talk about. He was divorced from his wife, who waswhite and born in the UK but the only child, a daughter stayedwith him. During the meeting, which took place in the sittingroom, he’s daughter came in to ask if I wanted a coffee. She wasabout nineteen to twenty, half cast and very attractive. Fivefoot, four inches, Short black hair, beautiful face and dressed intight blue jeans with an equally tight fitting jumper that mademy imagination work overtime: Slim body, lovely tight bumand enormous tits. Fuck, I thought, is it Christmas. After discussing all the advantages of a personal retirementplan at some length, he decided that he would commence one.He asked me to arrange all the paperwork there and then and 194