The narrator of the story is Charley, a young aristocrat in turn of the century England. He meets someone dressed as a lad on the road to Portsmouth.
Taken by his looks and good manners, he invites "Frank" to come home with him. He quickly discovers that his new friend displays an unacceptable lack of obedience and consequently he commences to flog him in the traditional and humiliating English manner. Charley is pleasantly surprised when the young man turns out to be a young woman with beguiling charms.

"Frank and I, a study of flagellation in England" is a classic Victorian erotic novel, published in 1902 (three volumes in one). It contains graphic sexual descriptions and themes.