I had known Richard most of my life.  He had some pretty bad breaks in life.  His family were poor and although he had a couple of good jobs, he got made redundant twice in a short period of time.  He had met a nice girl, Janice and it looked like he might be turning a corner.  We were both twenty-six and Janice was a few years younger at twenty-four.  I liked Richard so when he and Janice came to see me and asked me to help them with a deposit for a flat, I agreed to help.

Richard had worked out their budget and had a plan and said that he should be able to pay me back in four months.  I had a good job and money seemed to come easy to me.  Janice had even written out an agreement that stated there would be four equal payments, one per month.  I liked Janice as well.  She had her head screwed on right where money was concerned, plus she was quite a looker as well as being very friendly.  A few days later we exchanged money for the agreement which they both signed.

As agreed at the end of the first month they turned up and paid the money that was owed saying they would be back in a months’ time with the next installment.  The month end came and went, and no Richard or Janice let alone the money.  I went to find out what had gone wrong only to be told that they didn’t have it.  An unexpected bill arrived, and they had to use the money they owed me to pay it.  They offered to pay double the next month end.  I told them OK, and they seemed pleased that I wasn’t angry.

Then when we got to the next month end, again no Richard and Janice and no money either.  I paid them another visit only to be told that Richard had lost yet another job.  Again, no fault of his own, the company had gone bust.  The poor guy just couldn’t get a break.  He was due to start yet another job and they promised money at the end of the following month.  I stressed that they had to pay the next months, or I would be angry with them.

Again, no Richard and Janice or the money.  This was getting tedious.  It wasn’t so much the money as the fact that they didn’t communicate with me what was happening.  When I arrived at the flat it took some time before Richard finally opened the door.  He and Janice were again apologetic and said they didn’t have the money for me but would be OK for the next month.  I told them just how disappointed I was with them and angry.  I told them they had to give me something.  Richard pleaded that they didn’t have anything to give me.  They didn’t have more than a few pounds between them and looking around the flat there was nothing of value worth taking.

I again pressed home that I wasn’t leaving with nothing.  Richard was pleading that I allowed them another month.  I pointed out that they were now three months late and they just had to offer me something.  Richard again said they had nothing they could offer me.  I told them that there was.  Richard looked confused, but soon understood exactly what I needed when I told Janice to start undressing.  He pleaded with me not to do that, but Janice stripped anyway.

I was pleasantly surprised that Janice had and even better figure than I had thought, as her tits and then arse came into view.  I told her to get onto the bed on all fours as I stripped my trousers and boxers off.  Then I was behind Janice and slipping my cock slowly into her pussy.  Janice gasped and Richard groaned.  Then I was banging away at her pussy.  Richard told me not to come in her as she wasn’t on the pill, and they used condoms.  He offered me one, which I refused.  I told him that contraception was his and Janice’s problem.  Janice never asked me to pull out even when she started to shake as an orgasm spread through her.  I followed and pumped my load deep in her pussy.

Afterwards as I dressed, I told Janice that she should go on the pill as I would be back next month for further installments if the money wasn’t forthcoming.  I noticed that Richard had quite a boner of his own in his trousers.  I guessed that Janice took another fucking right after I left.

I was back again the following month and yet again there was no money being offered up.  So again, I had Janice strip and again I shagged her good and hard from behind.  I again left a good deposit in her pussy.  I was getting to enjoy this.  I pointed out that the shagging only covered the interest that was now accruing on the loan.  I could see that Richard was again excited by the lump in his pants as I left.

The following month not only was there no money, but also no Richard as he had another job and was out working.  I didn’t even have to ask.  Janice just stripped.  Instead of her just getting in the doggy position again I asked her to suck my cock.  Janice was compliant and willingly dropped to her knees and sucked on my cock.  After a while I licked her pussy for a bit before fucking her.  As we lay basking in the glow Janice told me that she looked forward to her payments.  I told her that I thought that Richard also enjoyed it.  Janice confirmed that I was right and after each time he licked her out before fucking her.

That had me hard again and I was soon on top of Janice with her feet on my shoulders as I ploughed her long and hard before leaving another load for Richard to clean up.  Janice sucked my cock clean before I finally dressed and went home.  I had barely got home when Janice called me and said that she was happy to make extra payments as soon as I liked.  I was now making weekly deposits in Janice, and she told me that Richard was enjoying them as soon as he got in from work.  This went on for well over another six months.

Then I turned up to fuck Janice again to see Richard was also there.  Before I could say anything, he handed me an envelope which contained the three months payments that were not paid.  I expected that the fucking would also come to and end along with the loan.  As I stood and counted the money Janice started to strip her clothes off.  I must have looked surprised as Richard said that our other arrangement still stood.

I knew exactly what he meant and striped my own clothes off.   Janice gave my cock a bit of a sucking before assuming the doggy position.  As I took my place and slipped into her pussy, I saw that Richard was taking his trousers and undies off.  Then he was on the bed stuffing his cock into Janice’s mouth.  I enjoyed hearing Janice going Mmmm as she sucked on Richard’s cock and grunted at my cock slamming home.  Richard’s cock fell out of Janice’s mouth as she came, and I pumped another deposit in her pussy.  As soon as I moved away, Richard was behind Janice.  I was expecting him to take my place and fuck her, but instead he dropped to his knees, and he was sucking hard at her pussy.  Richard was trying to get all my cum out of Janice’s pussy.  He must have been licking and sucking for a good fifteen minutes and caused Janice a second orgasm in that time.  Then he stood and fucked her.  He didn’t last more than three minutes before he came.

By this time, and by what I had just seen I was hard again.  Janice was more than happy to roll onto her back and allow me to put her feet up on my shoulders as I slid back into her pussy for sloppy seconds.  I managed to last a long-time taking Janice through two more orgasms before leaving another deposit.  After dressing I left Richard sucking away again at Janice’s pussy.

This all happened over thirty years ago.  Now in our fifties Richard is still sucking my cum from Janice’s pussy, although I am not quite so active these days and being married certainly lessened my opportunities to get away and see Janice.  But what great memories I have of our good friends Janice and Richard, as well as fresh ones when I get the opportunity to make them.