I am in such terrible trouble. I've been up to my neck in it for weeks but now it's coming to my door like a tsunami. I owe Tony the Fin and he'll be ringing my bell any moment expecting payment. I've avoided him for the last two weeks and everybody knows Tony doesn't believe in third chances. I either pay him or he'll be taking it out on my brother. He'll break my brother's arm if he doesn't get his money.

All I've got is my bus fare and my new ankle boots. That's what I spent the money on that I'd put aside for Tony.

I was actually trying to sort out my money problems when it happened to me. I've been working hard on my mobile hairdressing business, but it's hard adding to my regulars when the ones I have to keep cancelling and rescheduling, owe me almost as much as I owe Tony. And since my car gave up the ghost, I’ve been stuck to those who live on my estate and doing Aunt Sue's perm once a month.

I'd heard they were hiring at the barber's in the precinct and they weren't turning away people with my kind of background and postcode. Of course, by the time I got my arse down there, the windows had been whitewashed and there was a little sign saying “Val's Vapes Opening Soon”. Seeing as I was in the precinct and feeling very down I thought I'd cheer myself up by looking in the window of my favourite boutique, The Bootie Cave.

And there they were, the cutest little pair of silver ankle boots. My favourite combination of classy and slutty. I couldn't resist them. I tried, but it's a compulsion, I'm just addicted to shoes. All other thoughts go out of my head when I see a pair that I love.

I forget about my troubles and my money situation and I just have to see if they have them in my size and to try them on. Of course, they had one pair left and I handed over the last of my dough and took them home, momentarily oblivious to how broke I'd be.

And now I've dropped myself right in it and my brother too.

I pick up my phone and ring my best friend, Gemma, praying that she picks up.

"Hi Mickey, you alright?"

"Oh thank God you're there Gemma, I've messed up really bad"

"Have you babe, how's that?"

"I owe Tony the Fin and I can't pay him."

"Oh, babe I'd lend it to you if I had it..."

"I know you would, but I didn't ring to ask you that, I know you're as bad as me with money. I need to think of something to say to him. I've run out of excuses."

"Can't you tell him you'll pay him come payday?"

“I don't have a payday though, do I?”

“Well tell him you'll pay him when you have it.”

Gemma doesn't live on our estate so she doesn't know Tony's reputation.

"No, Gemma he's not the kind of man you can say that to."

"Is he one of your bad boys?"

"No hon, he's much worse than that. He's the meanest hardest loan shark on our estate"

"Oh dear. Well, that only leaves one option doesn't it?"

"Does it?"

"Yeah, you'll have to fuck him."

"Oh Gemma, I can't."

"Why, how ugly is he?"

"No he's really hot, he looks a lot like Tom Hardy."

"Mmm, sweet. Has he got a girlfriend then?"

"No, he's too hot and bad for that."

"He sounds like your perfect man, what's the problem?"

"It just wouldn't be right would it having sex with a man for money. Doesn't matter how gorgeous he is, it'd make me into some kind of prostitute."

"But you wouldn't be fucking him for money, you'd be fucking him for lack of money, that's a totally different situation”

“Is it? I'm not sure that's true.”

What will he do if you don't pay him?"

"He'll put Freddie in the hospital, for a start."

"Well, you can't let him do that, can you? What kind of girl lets her little brother get beaten up because she doesn't want to sleep with a hot guy? Mind you he doesn’t sound like he's very reasonable."

"Well, he's not that bad, half the estate owes him money, and he has to have rules. We all know them."

"So he's got his rules and you've got your principles so you probably shouldn't. To be honest he sounds a little dangerous and out of your league."

Gemma's always known how to push my buttons. I lost count a long time ago of the dares she's got me to do. Well, I won't let her know she's got to me again.

"Well thanks for the advice, I'll keep it in mind."

Gemma laughs as I finish the call. She can be a right bitch, but she has a habit of steering me right when I need it.

I have to admit I'm getting really turned on by the idea and there should be just enough time to freshen up and change into something a little more seductive before he gets here.

Looking in my wardrobe I pick out a lilac top that shows off my breasts and a skirt that just about covers my ass, I strap on my new shoes and admire my reflection. These heels make my legs so long; I'm feeling horny as hell. I touch up my eyeliner and then I hear the doorbell go.

I look out of my blinds and sure enough, there is Tony’s black Mercedes parked outside and he's standing at my porch with his hands thrust into his pockets and that wicked grin upon his face. He looks up and catches me peering out.

He winks and it sends an electric shock that passes all the way through my body and forces me to smile back at him. I don't care about the money now, I've got a point to prove, I want him and he's going to want me and these boots are going to make back their money right now. I feel as dirty as the look I'm giving him.

I make my way down the stairs to let Tony in for what's going to be the greatest fuck of his life.