Tracey's Shame Check (Experience Stories Adult Fiction)

Tracey paced back and forth nervously waiting for the doctor to arrive. If she had a choice, she would never have done such a physical examination, but the life insurance company that gave her the loan required her to do it. Tracey had applied online for a $50,000 home improvement loan, but she didn’t read the fine print until she received a check and cashed it, only to find out that the check had a medical examination requirement and could not be cashed unless the medical examination was successfully completed.

When the company called to confirm this and arrange a suitable date, Tracey hastily agreed to the first available date because she didn't want them to realize that she had already cashed the check and even given the builder most of the money to expand the pool. She didn't like her builder always asking for money, in fact she kept hearing him call her a stuck-up little bitch in private, but his construction had a good reputation, and in order to get a better finish, she had already paid him in advance and hoped he would do a good job.

So now, on Friday mornings Tracey wanders around her home in her robe. The woman from the insurance company had called to warn her that this was a full medical and therefore Tracey was not allowed to be fully dressed this morning, only a bra and panties under her robe. Tracey had only had a complete physical 2 years ago, when she had asthma, and she knew that a physical exam would be somewhat revealing. She didn't know if the doctor on the way was a man or a woman, either way it was strange to be examined in her own home, but at least it was private. She lives alone, with no one intruding on her life except the noisy neighbors next door. This neighbour has been harassing Tracey since she moved in more than a year ago. He is married with a son, but that doesn't stop him from spying on Tracey all the time. He often peeked through the fence at Tracey sunbathing in the yard under the pretext of drinking coffee. Tracey considered building a fence, but she later abandoned the idea. He gave Tracey goose bumps, but her son, who had just turned 18, was just as bad as he was. The summer Tracey moved in, she gave her neighbor's son a job to tidy up the garden. She admitted that her garden was a mess at the time and she paid very little, but the neighbor's son still seemed happy. However, Tracey found him to be just as annoying as his dad, and once he had finished cleaning the garden after a few weeks of hard work, she fired him. The frustrated look on his face almost made Tracey laugh, but she held back, although she still managed to smile. From then on, although he was happy to flirt with her, he was very cold towards Tracey.

Just as Tracey was about to pour the orange juice, the doorbell suddenly rang. Tracey tightened her belt and ran straight to the door. She was confused at first by the two people standing there: a middle-aged fat man and a young girl.

"Tracey Smith?" the man asked her. Tracey nodded. The man continued, "I'm Dr. Watson, and this is my daughter Emily. I hope you don't mind, but I brought Emily with me because it's a weekday."

"Oh, never mind," Tracey was still a little confused, but she ushered them into the house and asked if they wanted orange juice. She noticed the doctor had placed a large medical bag in the corner of the kitchen and his daughter had sat down. His daughter looked very young and not very happy to be here, but Tracey didn't think it was her fault. After she poured the juice and sat opposite the girl, the doctor explained that he would start by asking her some medical questions and then go into the actual physical examination. Tracey nodded, and after a few minutes she found herself answering questions that went from height and weight to more personal ones, which, while not a bad thing, were topics she wouldn't normally discuss openly, and the teenage girl sitting opposite noticed that Tracey began to shift slightly uncomfortably. Tracey didn't want to have another girl attend her physical examination, after all, she was just the doctor's daughter, not a nurse or anything else, and she wondered if the doctor would let his daughter see her physical examination.

Finally, to Tracey's relief, he put down his pen and paper and said that enough questions had been asked and now it was time to start the physical examination.

"Are there any witnesses of yours around?" he asked suddenly.

"My witness?" Tracey said in surprise.

"Yes, we need a witness to oversee the examination to make sure everything is reasonable. This is standard procedure whenever a male doctor examines a female patient. The girl who spoke to you on the phone should have told you that."

"She didn't say anything," Tracey said, a little worried, "I have almost no one around me who can serve as a witness."

The doctor looked at his daughter, and Tracey noticed his barely concealed sigh.

"Can't your daughter testify?" she said hastily.

"I'm afraid not. She's under twenty-one, and without someone we'll have to cancel the health check and I won't be able to come back for at least two weeks."

Two weeks! Tracey was sure they would find out she had cashed the check, and who knew what would happen!

"How are your neighbors?" the doctor asked. "It would be too inconvenient to leave without giving you a physical examination." ”

Tracey suddenly had a terrible idea! He is definitely not Mr. Chambers!

"I'm sorry, I know there's only one neighbor next door and I don't want to check in front of him." She said nervously.

She saw the doctor give his daughter a slight nod and she suddenly stood up from her seat and left the room. Tracey thought she had to go to the toilet and then heard the doctor ask her if she could call to confirm the next possible date if this one didn't work. Tracey just sat there and listened to his call. She could tell the doctor was upset until he finally hung up and turned to her and said angrily, "If we don't get the test done today, there will be a long wait. The next available date is after my vacation in five weeks."

Tracey looked at him, not knowing what to say.

"I'm afraid you won't be able to use the money by then. It will be about a week later when everything is sorted out."

Oh my god, Tracey thought to herself, they're going to find out I spent that money ages ago!

At this moment, she heard her back door open. She looked up and was surprised to see the doctor's daughter, Emily, coming in with Mr. Chambers and his stupid son. They were all grinning as they saw Tracey standing in her too short robe, and she saw the girl's smirk, as if she knew this would be awkward for Tracey.

"That's up to you, Miss Smith. It looks like we have a witness available, or I'm afraid we'll have to wait seven weeks for the money to be available."

Tracey felt very distressed, she knew she couldn't wait seven weeks, she would find out for sure and who knew what would happen, and then, she certainly didn't want them to take any action against her for fraud or stealing money, if that happened, her future would be ruined! Almost as bad an option, however, is getting a medical exam in front of her perverted neighbor and his son.

"It's going to take a long time, Dad. I promised to meet my friend at the mall." Emily asked suddenly. She saw the doctor looking at his watch and said, "Well, it depends on the young lady and the warrior here. I'm afraid I must admit that if she doesn't make up her mind, we will be gone soon."

Tracey was surprised at the severity of his tone, she still couldn't bring herself to look at her grinning neighbor, but she knew she would soon be out of time so she nodded very reluctantly.

"Okay, let's go get a checkup," she half-whispered.

"Cool," Emily said to her neighbor's son, John, with a smile, "Told you she would."

This didn't make Tracey feel any better, as the doctor clapped his hands and said, "Okay, let's go ahead and get Tracey's clothes off."

Tracey knew from the beginning that at some stage she would have to strip down for a long run, but doing it in front of three men and a teenage girl was something she had never thought about, but knowing that the neighbors had seen her bikini many times, there wasn't much difference, she closed her eyes and quickly opened the robe, shrugging her shoulders before pulling it completely closed and placing it on the kitchen counter behind her. She was now standing in front of the four men wearing only her white bra and panties, and the atmosphere in the room suddenly became very lewd.

Mr Chambers let out a whistle, which made his son and the girl laugh but only added to Tracey's embarrassment. Tracey's feelings quickly got worse, and the doctor said, "Please take off your bra."

While the neighbors had seen her in bikinis, they certainly had never seen her topless, and Tracey never imagined they would. But now as she was told to take her bra off in front of them, she just stood there looking at them with a confused look on her face, wondering if she could expose herself like that. At this point, Emily suddenly snapped, "Come on bitch, I hope you won't make us wait too long every time my dad tells you to do something. I have friends to meet, so just show your tits like you tell me to."

Tracey couldn't believe that the doctor would let his daughter talk to her like that, and she was relieved when the doctor said to his daughter, "Emily, you shouldn't talk like that to a real patient." Then when his daughter pouted, the doctor turned to Tracey and said, "But she is true in one thing, and I want you to do what I tell you right now, or we'll be waiting here for a long time, so take the bra now."

Tracey knew she had no choice, so close to tears, she untied her bra from behind, letting it fall over her shoulders and onto the counter behind her robe. She raised her arms to cover her bare breasts, but the doctor motioned for her to keep her arms at her sides. She did so reluctantly and all she could do now was stare at the floor in embarrassment standing there in just her white panties, her heavy breasts completely exposed to her neighbor.

"God, I knew they were big but not that big." She heard John laugh as he and his father stared blatantly at Tracey's naked breasts. Even Emily smiled and said that seeing them was worth the wait. Just when she thought things couldn't get any worse, she heard Emily giggle and say, "Take off your panties too, Dad? I'm sure they want to see some pussy."

Tracey's face turned deep red, and the doctor looked at her and smiled and said, "Actually this isn't necessary, but if you want to see her whole body, you can take off her panties."

Emily smiled, turned to Tracey, and holding out her hand she snapped, "Come on bitch, give it to me."

Tracey blushed again at being called a bitch by a teenage girl in her own home, but she knew arguing was not good, so with slight tears in her eyes, she pulled her panties off her hips, and stepping out of the panties she handed it to a grinning Emily.

"Tracey put your hands on your head," Emily said so sharply that Tracey did as she was told without even thinking, completely naked in front of her two neighbors as well as the doctor and his daughter.

For the next half hour, Tracey was subjected to humiliating torture. Mr Chambers measured her naked body with a tape measure, taking special care to make sure he measured the size of her breasts, and then to make matters worse the son insisted on measuring them too, just to make sure what his dad was doing was accurate! She was asked to do an exercise on the spot, although Tracey thought the only reason for her to do it was so the audience could enjoy the sight of her big tits bouncing as she jogged, and of course they made some comments and jokes about it!

The most humiliating part came when the doctor insisted that she should provide a urine sample in front of all four people. Despite her protests, Tracey eventually squatted down and urinated into the beaker, with John helping her hold her legs open.

Then came another series of questions, only this time they added more intimate questions about her sex life, like when she lost her virginity, how many relationships she had, whether she masturbated, how often, and whether she used toys, etc. As she answered the embarrassing questions, people kept making fun of her answers, especially when she admitted that she often masturbates using a large toy.

Tracey had been completely naked in public for nearly forty-five minutes, but she was still extremely embarrassed to be naked in front of her annoying neighbors, and she knew full well that they were starting to rub her lightly with their hands! So she was relieved when the doctor said there was only one last test, but it had to be done outside. When she felt a hand on her naked bottom as they walked into the garden, she did not bother to find out whose hand it was.

Tracey felt very embarrassed standing naked in her back garden, but the only neighbour she knew was standing less than three feet away in a perfect viewing spot!

"Okay, Tracey, just a little fitness test," the doctor said, "I see you've got a track for us."

He pointed to a marked circular path where the grass was being cut by men digging a pond. It was about fifty feet in diameter and it had rained last night so the track was very muddy.

"Just a few laps for you," he smiled and turned to the rest of the onlookers, asking them how many laps Tracey should run!

Finally, it was Emily who decided that Tracey should run fifty laps of the track, and they sat in the yard while Tracey began running in circles around the muddy track. Tracey again received laughter and rude comments because of her large breasts bouncing as she ran, and it only took a few minutes for the cold wet mud to stick down her legs to her knees. The only thing she could think of was that at least this was the last humiliation and that the track she was running on could be completely transformed into a new swimming pool in the future. She studiously ignored the boos and laughter from all the SM groups in the yard until she had done twenty laps when she suddenly became aware of a new voice that she called upon. "Right, Tracey, just a little fitness test," the doctor said, "I see you've already laid out a track for us."

He pointed to a marked circular path where the grass was being cut by men digging a pond. It was about fifty feet in diameter and it had rained last night so the track was very muddy.

"Just need you to do a few laps for me," he smiled and turned to the rest of the onlookers, asking them how many laps I should do!

Finally, it was Emily who decided that I should run fifty laps of the track, and while they sat in the yard, I started running circles around the mud. Tracey was again subjected to laughter and rude comments as her large breasts bounced while she ran, having spent only a few minutes before the cold wet mud reached her legs around her knees. The only thing she could think of was that as she ran at least this was the last humiliation and the track she was on could safely be turned into a new swimming pool. She tried to ignore the deliberate catcalls and laughter coming from the people in her yard until she had done twenty laps when she suddenly became aware of a new voice calling her.

"She's not so big now," the voice laughed, and when Tracey looked up she was surprised to see the construction worker who had been standing at her back door as she ran around naked and muddy, smiling at her. Tracey almost ran through the door, but she saw the doctor shaking his finger at her, and she gritted her teeth and continued running until the last lap, and the only thing she could do was collapse on him when she was completely exhausted. She lay in the mud, gasping for breath, and though she knew she must be presenting a wonderful spectacle to those watching, she was too tired to stand up. Until two minutes later the builder told her to get up by poking her thigh with his own muddy boot.

She thought she was embarrassed enough, but now she was even more embarrassed that there was a new voyeur, and when she stood naked in front of him, her heart was filled with shame again. This man would only help her dig her swimming pool in the future, but he was enjoying the view now.

As she started walking towards the terrace, he suddenly grabbed her arm and said to her, "Wait a minute, Miss, you are covered in mud now, why don't we rinse it off before we go."

With little room for protest, Tracey found herself led to the garden wall, standing there. She screamed as she saw Emily pick up the garden hose, and tried to curl up as the icy water rushed straight to her stomach. Of course, for the next ten minutes her belly wasn't the only part of her body targeted, her breasts and pussy were being hosed down not only by a giggling Emily but also by the obnoxious neighbor, his son and a laughing construction worker.

Only when they were sure she was clean did they finally put the hose down, and finally Tracey regained her composure, she saw the little video camera Emily was holding, who knows how long she had been recording!

When they finally let her in through the back door, she knew whose hand was on her ass this time, the construction worker! When they walked into the kitchen, Tracey was shocked to see that she had lost her clothes too, and the doctor had been packing his bag until he was ready to leave.

"Thanks for your help on this, Tracey, I'll take my report to the company and see if I can get your check as soon as possible."