When the door flew open, Tony surprised me by stepping forward into the light. "What took you so long, bitch?" he asked in an angry tone.

His attitude was totally unwarranted. As far as I knew, he didn't have any authority in the building. "Keep your hair on, I had to get my dirty clothes together."

"Huh, everything I saw was filthy..."

"Right... So, I've got to go to the laundry." I placed the bag on the floor and held my hands out. "I need my phone and some money.

Before I could react, he reached out, grabbed the collar of my jacket and pulled me inside. "Karl is fucking waiting, bitch. Get in there." He pulled me past him and then gave me a shove in the back.

I had been in Karl's flat a couple of times, so I was prepared for the rank conditions he lived in. The multi-coloured hall carpet looked as though someone had been cleaning engine blocks on it - it was that greasy. The wallpaper was faded and marked, while the skirtings and door frames looked as though they hadn't been painted since World War Two!

I usually stopped at the door when paying my rent, but on a couple of occasions the German lured me into the lounge on one pretext or another. I needed to sign the tenancy agreement and on the second occasion he warned me about coming in late at night.

During both instances he was on his own and made suggestive remarks while checking me out. He didn't push it though, because he knew that I had an aggressive boyfriend who was often around.

My job kept me out of the building, Monday to Friday, between 8:30 and 17:30. Also, when I was with Dave, I was out most weekends and evenings. I wanted to know more about his friend Tony and whether he was a permanent fixture in Karl's flat.

He pushed me in the back again. "He's watching TV. In there."

I passed the bedrooms on either side and turned into a decent size lounge/diner. The room was in much better condition than the hall but was still in a filthy state. The big man was sitting in the middle of the sofa watching a porn movie. He turned to watch me enter and then pointed to the screen.

"I put this on in case you need some inspiration, huh?" both men laughed.

I glanced at the screen to see a close-up of a woman's head bobbing up and down on some guy's cock. The shot panned out to show the action was taking place in a men's toilet with a backdrop of a long row of urinals.

"Karl, that's fucking revolting. Haven't you got anything better to do?"

"Watch and you'll get the point of the entertainment."

"Look, I'm on my way to do my laundry. Can we talk about your sad sex life later?"

He picked up the remote and froze the picture at the point of ejaculation. There was an unfortunate look of disgust on the girl's splattered face which killed the moment for me.

"I've had enough of your lip..." For a big man he moved quickly and was up on his feet and round the back of the sofa in a flash. "Laundry? Where's your bag?" He glared at me.

"It's out in the hall, Karl," Tony volunteered.

"Get it, mate..." He turned on me. "And you..." he said, poking his finger in my face. "...take your jacket off and empty your handbag on the table."

I was expecting him to be bolshy, but not aggressive and belligerent. "For fuck's sake Karl, we've already done this." His hand flashed out and grabbed a handful of my hair. "Fucking hell!" I cried as he dragged me backwards, past the sofa toward the small circular dining table. "Let me go! You're hurting me!"

Thankfully, he released my hair, but then grabbed my neck and continued to push me backwards. My butt came up against the table. "Bitch, you're going nowhere until I've searched you."

I put my hands on the table to stop him from forcing me to lie back. When my body arched backwards, my jacket fell open revealing the shape of my jutting tits, through the thin t-shirt. His eyes focused on my hard, pointy nipples. The tight top had ridden up to reveal the slight bulge of my tummy.

My denim shorts were extremely tight. So much so, the top stud looked as though it was about to give up the ghost. Where my thighs emerged from the tight leg holes, my flesh bulged a little before tapering down to my knees. My shorts were too small for me, but I was stuck with my size 8 wardrobe until I laid my hands on some money.

I looked into his smouldering blue eyes and saw a look that said, 'This bitch is ripe for fucking and she's all mine'. He wanted a piece of me and if I wasn't careful, he was going to take what he wanted.

"Karl, take your hand off my neck or else I'm out of that door and you'll never see me again."

His face contorted and his eyes glared. After a moment, he removed his hand and stepped to the side, enabling me to relax and drop the bag on the table. "That's better, bitch, let me help you with your jacket..." I shimmied out of the jacket with his help.

He was just emptying my bag when Tony appeared in the doorway. He held up the green supermarket bag. "Karl, it's just a bag of filthy panties and shirts," he informed the German landlord.

"Anything of value?"

"Mostly smelly rags," came the response. Tony threw the bag down in disgust.

"I wash my stuff every Friday night," I lied, but they weren't to know.

Karl rounded on me. "You ain't going nowhere bitch until we have an understanding. I told you that you gotta pay me interest. It's gonna cost you one blowjob a day. If you give us one each, I'll reduce what you owe me by ten pounds a day."

"You've been watching too much porn. I ain't one of those actresses..." I pointed at the still on the screen. "Just give me my stash and phone back, Karl. Without it, I can't get the money I need to live on until next Friday."

"Then you need to open your fat thighs..."

Karl reached out and placed his hand on my left tit but didn't squeeze. When the table stopped me, I stared at him intently, but I didn't protest, or move. My arms were once again supporting me as I leant back, ass against the table and legs slightly parted. Tony sidled up to look at my pose but focused on my crotch. The pair were facing me, standing side by side but it was Karl's hand exploring my body.

Both men were clearly aroused as they studied my teenage body. Karl released my breast and trailed his fingers down my shirt, over my tummy to the stud that was fighting to hold the shorts together. He flicked his thumb and half the fly opened to reveal the waistband of my black panties.

"Decided to put some panties on, heh?"

I was losing the battle, but I had to fight him as long as possible. "Where's my stash and phone?"

"Girl, if you start paying back what you owe me by doing a few tricks, then you'll eventually get everything you want."

"I want my phone before you go any further." I couldn't leave without the phone, a fact that Karl was taking advantage of.

The moment that Karl was able to turn his hand, he thrust his fingers down the front of my panties into my pubes. His thick fingers stretched the cotton material, giving him the room to slide his middle fingertip into my cleft. Mixed emotions, anger and excitement, infiltrated my mind. I still didn't move, even when he began rubbing my clitoral ridge.

"I told you, Karl, I'm not a whore."

"You're not whoring, bitch. This is business. You're paying off your debt."

When he dropped his other hand and deftly released the last two studs, his fingers suddenly had more space. I was sticky-wet by the time his finger slid deeper into my folds and reached my soft, unresisting portal. Then, I reached out and grabbed his wrist.

"That's as far as you go, Karl" I said. "Fingering me costs you ten quid and a titty-fondle will cost you another ten."

His face contorted with indignation. "You little tart!" he roared, pulling his hand out of my panties and simultaneously grabbing my chin with the other. He held up his glistening finger and wagged it at me. "Do you think you can cock-tease me as though you're a wet behind the ears virgin!"

When he raised his hand to strike me, I sprawled sideways and in doing so sent a bowl of apples flying off the other side of the table. They fell to the laminated floor with an almighty crash. "Leave me alone," I shouted, while twisting and turning my head to free myself.

Karl was struggling to hang onto my chin, so he grabbed the flapping side of my shorts and hauled me away from the table toward the back of an easy chair.

"Get your fucking hands off me!" I cried but stopped trying to pull away for fear of ripping the shorts.

He grabbed my throat again and shook me. "Listen to me, bitch. Make your mind up. You're fucking out of the door in what you're wearing, unless you take your shorts off and get yourself on the bed." He pointed toward the hall.

"Uhhhhhh!" I groaned and grabbed his wrist to try and stop him from strangling me. "Yeeer straging murr!"

Tony put his hand on Karl's arm. "Easy pal. The bitch knows she's gotta pay."

Karl relaxed his grip a tad.

Despite being terrified of both men, I was grateful for Tony's intervention. The Afro-Caribbean giant looked aggressive, but, on the face of it, had a mild temperament compared to Karl's. Ever since I spotted him examining my soiled panties, upstairs, I reckoned he had a thing for me. I can spot interest in a man's eyes and his were flashing brighter than Karl's.