Loan EMI, Recovered Perfectly!

Hello, everyone. I’m back with another story. Thank you, XIS, for publishing my stories. Do read and share your feedback at [email protected]. Remember, your feedback encourages me to improve and write more. Let’s continue with the story.

My name is Krishna. I’m a 29-year-old guy who works as a loan recovery agent in Delhi. Usually, I had the South Delhi area under my name, where I had to go and recover the loans. But because of my good performance, I also had to take care of West Delhi now.

The work became hectic a little bit, but still, my life was going well. You might have guessed by now that I had no girlfriend, and yes, you’re right! I live alone in an apartment. My work schedule was the main reason for me being single this long.

So, this is a story, particularly about a loan default customer who changed my life forever. This incident took place 5 months back. So, one fine day, I got a call from my office about a case in west Delhi. Previously this case was taken care of by one of my seniors, but since he left, this case was given to me.

So, I reached the office, which was located in Nehru Place, collected the documents, and left for the location. Around 10 am, I stopped at a small restaurant for my breakfast. While having my food, I was going through the details.

It was a middle-aged man named Rakesh Sharma, who took a car loan and didn’t pay his EMIs for the last 3 months. So, before I left, I called him, and to my surprise, he answered the call and said, “Yes, the amount is ready. Please come and collect the money by 11 am.”

I told him that if the payment is not made today, then we have orders to impound the car. He agreed, and he verified the address, which was in Dwarka. So, I left the restaurant and went straight to his house. The house was a duplex and it was located on the top floor.

I rang the bell and waited. A lady opened the door, she seemed around 38-39 years old, with her hair tied up. She looked like a strict aunty but beautiful. I introduced myself and asked for Mr. Rakesh Sharma. She said he was not there, and he went to his office.

So, I asked if he left the EMI amount. She said no, and she didn’t know anything about it. He would be back after 10 pm only. I was angry by now and called Rakesh. His phone was off. So, I told the lady, that he has to give us money today or else we are going to impound his car.

She was looking worried. But I was adamant that, no matter what, I was not going to leave today without money or the car. I, too, had to answer my bosses.

She requested many times to leave and she would ask him to call once he came home tonight. But my anger won’t subside. She requested again and asked me to lower my voice. They are a reputed family here and requested me to come inside and talk.

I reluctantly agreed to her request and followed her in. She led me into their living room. We sat there and I asked her for the status. She said, “Sir, wait for a moment. Let me call Rakesh and check.” She picked up her mobile and dialled his number.

She tried twice, but his phone was still off. Now I got irritated. She then said, “Sir, I’ll tell you all the details, but before that, do you want Tea or Coffee?” I replied, “No, Madam! I don’t need either, but still, I can’t leave this place before I get money or your husband’s Car.”

With this statement, she broke down and became more nervous. I felt bad, so I apologised and asked her for coffee. She calmed down and made coffee, handed me the mug. She started saying, “Sir! The payment isn’t done since my husband is currently unemployed, and that’s why the payments are due to date.”

But then I interrupted her and said, “Madam! I do not care about his employment status. My questions are when will the payment be done, and how much time will it take for your husband to come back?”.

She then continued, “Sir! My Husband will be coming soon, and he is a respectable person in our society. Please, believe me, Sir!”

“Madam, trust me, I’m not here to harm your reputation. I’m just doing my job, and I cannot go empty-handed today. Even because of your husband, my job is at risk now. So, I’m extremely sorry, but today, I’m not going to leave without meeting Rakesh.”

Saying this, I placed my bag on the table in front of me and sat more comfortably. She then said, “OK, Sir! Let me call Rakesh once more and see”. As soon as she finished saying that, she immediately dialled Rakesh. This time, he received the call.

Before she even spoke, Rakesh started scolding, “Roshni! Why did you call me? Just let him wait. In a few minutes, he will leave by himself. I will be there once he leaves and will explain everything. Don’t worry.”

Hearing this, she started crying again. Her cry touched me deep within my heart. Seeing her cry, I felt pity for her and said, “Please, madam! stop crying.” Then she came closer to me and sat next to me, keeping her one hand on my thighs. Not expecting this, I froze for a few seconds.

She said, ” Sir, please understand. I will make sure to pay you every bit of the money.” Her hand was rubbing my thighs. Her words sounded soft, almost erotic. At first, I couldn’t imagine such a scenario ever happening to me. But to my astonishment, I suddenly found that I was becoming hard beneath her touch.

After a few moments of silence, I regained control of my thoughts and cleared my throat. I said, “I understand, but the money should be paid, madam. Otherwise, it will be a loss to our company.”

Then she suddenly leaned towards me and whispered in my ear, “Sir, you should understand, I’m very helpless here. I will help you to recover the debt sir, and you can call me Roshni. Madam is unnecessary.”

I turned to look at her. Her lips were smiling nervously, and her eyes were smiling as well. Her smile lit up the room. Inadvertently, I kept staring into her eyes, and finally, I softly said, “OK, Madam. Thank you!”

A little about her. As I said previously, she was in her late thirties, around 38 or 39. But she maintained herself well. She had a good figure, and she was looking too pretty in the saree. She wasn’t wearing any jewellery except a pair of studs. Her hands and feet were totally clean and shiny. And she had her hair tied up.

She kept touching her nose occasionally with her fingers and eyebrows always moving up and down. She smelled of some intoxicating perfume. She had a beautiful face. Her complexion was dusky brown, which suited her well, and she had lovely black hair.

There were many strands of grey hair, but they were hardly noticeable. And also, a little bit of sweat. She must have been sweating because of her body heat. She was looking ravishingly hot. I never imagined such an incident happening between me and a customer.

There I saw another side of mine, an animalistic side, craving for that woman, that beautiful lady. I think she noticed my staring and turned to look at me. “Mhmm…” I stammered, trying to regain my composure. She kept gazing at me and kept smiling.

Once again, she leaned close to me and slowly whispered, “My name is Roshni, sir. Call me Roshni, and please help me out. You don’t know how desperate I am right now.” I was mesmerised. She knew exactly what kind of effect her words and actions were having on me.

Her words were practically dripping with sensuality. By then, I completely lost control over myself. I realised I was imagining grabbing her by the arm, pulling her near me and kissing her lips longingly, those supple lips! My lips wanted hers badly.

Slowly opening my mouth, I moaned softly, “Oh yeah! Shit!”

She then moved a bit forward to me and whispered in my ear once again, “Call me Roshni, sir. Call me Roshni. Call me Roshni, sir.” Her breath tickling my neck sent goosebumps all over my body.

What a sweet little voice she had. I shook my head, trying to break free from my trance. The word ‘Roshni’ danced in my mind. It sounded so sweet, like music.

Finally, I uttered, “Roshni… I want you… I want to fuck you.”

“What?” She gasped. “Fuck!” I groaned loudly. “Shhhhh…No one is here.” She hissed, glancing around the room.

It didn’t matter anyway. I grabbed her waist firmly and pulled her onto my lap, sliding her tight warm ass across my thigh. I was already rock-hard by now. She could feel my stiffness pressing against her pussy.

Mmmmmm! That feels good! My dick jerked happily in response. Pulling her toward me, I quickly captured her mouth. Shoving my tongue between her full, moist lips, ramming it as far as I could. Then I licked the corners of her delicious-looking lips hungrily.

She responded, sticking her tongue into my mouth, aggressively duelling my tongue with hers. She tasted awesome.

She sucked hard on my tongue, drawing a gasp from me. She was making love to my mouth, and it was driving me crazy. Our breathing quickened, and our kissing intensified. We might swallow each other.

After kissing me passionately, she lifted her head slightly away from me and whispered in my ears, “Krishna!”

“Oh!” I sighed softly, closing my eyes. “You sound so sexy when you say that. Say it again.” She pressed her lips gently against my cheek, whispering, “Krishna,” again. “Ah!” I whimpered. She kissed my cheek a second time, saying, “Krishna.”

Again, I murmured, “Oh!” Feeling my arousal grow steadily, she repeated the act a third time, giving me the same sweet treatment. She while savouring my lips, started unbuttoning my shirt. I removed her saree from the top, unbuttoned her blouse from the back, and removed it.

Now, only the bra remained. “That feels nice, Roshni.” She giggled. Her eyes gleamed with excitement. She leaned down and started sucking my nipples while my hand was on her head, pushing her more towards me.

“Ugh!” I grunted softly, sinking my fingers into her hair and pulling her harder against me. She sucked so sweetly I couldn’t stand it anymore. My cock began to pulse violently. I was so fucking horny. She then removed my belt and unzipped my pants.

My dick popped out from inside my boxers, standing straight up, throbbing wildly. My shaft was already covered with pre-cum. Oh god! I then stood and made her lay on the sofa and I went on my knees. Unhooked her bra, exposing her breasts.

They’re not big but firm enough and topped with luscious-looking puffy nipples. They beckoned to me enticingly. So, I took them in my hand and started squeezing them. “Yes, baby! Squeeze them harder! Oh!” She cried.

I leaned forward and started licking and sucking her nipples. Her chest rose and fell rapidly. She tasted great! As my tongue lashed her sensitive nipples, she arched her back and closed her eyes, thrusting her firm tits into my eager mouth. She kept mumbling, “Oh, Krishna! Suck it! Yes, suck my nipple!”

I squeezed one breast tightly while flicking the nipple lightly with my tongue. “Krishna!” she screamed out, tossing her head from side to side. I gave her nipple a gentle tug before switching to the other nipple. I worked her other nipple just like her left one.

She let out a low groan, raising her hips off the couch. Then I started moving down to her navel by licking down. Down her body to her belly button, where I swirled my tongue before continuing further south to reach her legs. I then held her one leg and started kissing and sucking her toe one by one.

She started panting heavily. Then I proceeded to kiss and lick her ankle, working my way up until I reached the soft skin of her thighs. Her thighs were soaked with her sweat. It was like an aphrodisiac. It drove me wild.

When my tongue finally came into contact with her wet panty, I felt a rush of pleasure sweep through me. She had this subtle, intoxicating scent, which got even stronger when I buried my nose deep in her crotch, inhaling her scent deeply. By now, I was half inside her saree.

So now I came out and flipped her. Now her back was upwards, and again, I started licking the back of her thighs and moved upwards. She lifted her saree and revealed her white panties. I pushed aside the back of her panties to expose her beautiful ass, which was soaking wet with her sweat.

Fuck! It looked gorgeous. I planted a wet, open-mouthed kiss on her cheeks. I blew on her butt hole. I spread her ass cheeks apart and stuck my tongue inside her butt crack. I licked her asshole vigorously. She arched her back and threw her head back, biting her lower lip, crying out, “Aah! Oh shit!”

She immediately raised her ass off the floor in response, lifting her bum into the air. Her little pink flower hole peeped out of its nest of black curly pubic hair, which was very little, though. While doing this, I cupped both of her boobs firmly in my hands and squeezed them gently.

She squealed with delight and thrust her chest out, pushing her stiffening nipples into my palms. “Oh God, Krishna!” She squeaked. “More, baby! More!” I slipped her panties down her feet and yanked her off the sofa. We both stumbled towards the wall, and she pressed herself against it.

I untied her petticoat and flung it to the ground. I positioned my raging erection between her legs, rubbing it along her dripping slit. “Please, Krishna,” she pleaded, “put your big cock inside me. Make me cum.” I then held her tight by her hips and positioned my hard cock against her ass.

With a loud grunt, I shoved my 7 inches into her tight hole. “Oh!” She shrieked. I pounded her mercilessly, balls slapping her butt with every stroke. “God, that’s good!” She yelled. “It’s so good. You feel so good inside me. Pound me harder! Yes! Harder! Fuck me harder!”

“Yeah, yeah, yeah!” I howled. “Yes!” She screeched. I was ramming my pole in and out of her incredibly tight asshole so fast, and hard I could barely catch my breath. We both yelled at the top of our lungs. Our bodies slapped together again and again. We were sweating profusely. “I’m going to shoot!” I warned.

“Come inside me! Shoot it deep in my butt. Come in me, baby! Fill me with your hot cum!”

“Fuck!” I bellowed, feeling my cum start to rise. Just a few more strokes, and I’d blow. I gripped her tiny waist tighter, slamming myself into her. She shouted out, “Do it! Do it! DO IT NOW!”

And I unleashed torrents of my thick, warm spunk deep into her bowels. It felt like I would never stop coming. “Ooh! Aah!” I roared. I exploded three times, filling her hot cunt with my load. “Oh yes! I can feel your hot sperm filling my guts!” She shrieked.

Exhausted, I slid out of her ass and sat down on the sofa. She dropped to her knees, bent over to retrieve my still semi-hard cock and began to clean it of my juices. Licking, sucking and stroking my limp shaft with her talented tongue, she cleaned my dick expertly.

Within a few minutes of her licking, my cock started to grow again. I watched as her mouth bobbed up and down on my cock hungrily. “God!” I gasped. She looked up at me and slowly raised herself to stand. She positioned her wet pussy on my erect cock and sat on my lap, straddling me.

Taking hold of my rock-hard cock, she lowered herself onto me. Slowly impaling herself on my shaft. I could feel the heat of her insides wrap around my length. God damn! That’s what heaven is. I moaned as she sank deeper and deeper into me.

“Mmmmmm! God! You feel so good in there!” She cooed. “You’re so big, it’s so nice! So good!” She continued. She started bouncing up and down on my prick. I grabbed her ass with my hands and pulled her down hard onto me with each downward stroke. “Fuck!” I yelled. She responded with “Oh my god!”

I rolled her off my lap, laid her flat on her back on the floor and crawled near her. Grabbing her ankles and placing them on my shoulders. I began pounding her pussy relentlessly. “Oh fuck! Yeah! Fuck my twat! Fuck me hard!” She yelled.

“Shit! Your twat feels so good!” I exclaimed. “Oh my gosh! It’s so fucking good!” She exclaimed. “Do it! Fuck me! Oh yes!” And I kept going, faster and faster. Suddenly, I couldn’t take anymore. My balls tightened, ready to explode again. “Unghh! I’m about to come!” I yelled.

“Shoot it inside me! Cover my pussy with your sperm!” And I unloaded another batch of cum into her soaking pussy. “Oh fuck! Ahhh! ” We both yelled at the same time as we erupted. Cum oozed from her pussy, coating the insides of her thighs.

My spurting manhood coated the inside of her cervix with my sticky cream. Our spasms subsided. I collapsed next to her, taking long, slow breaths. After cumming, we just lay there for a minute catching our breath.

“That was awesome!” I said. “So hot! Let’s do it some other time, too!” She replied. “No problem! Whenever you want.”

A few minutes later, I checked the time, and it was already 3 pm. “Wow! Time flies! I have to leave soon.” I told her. I quickly dressed myself up. She did the same thing and kissed her on her lips and whispered, ” I’ll be back the day after tomorrow. Make sure your dues are ready,” and winked with a smile and left.

I went to the next customer, collected my dues and went to the office. I knew I should have a valid reason for not collecting dues from Rakesh. So, I gave a vague reason promising to collect it the day after tomorrow, logged out from my shift and happily left for my home.

The whole night I was dreaming about Roshni’s sexy body and how she let me fuck her in all possible ways.

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