SNIVELLING love rat Ashley Cole sobbed down the phone to his American one-night stand as he suddenly realised their secret fling was in danger of being exposed.
Desperate to hide the affair from long-suffering wife Cheryl he rang lover Ann Corbitt in a panic again and again, begging her to stay quiet about their wild four hours of sex in a Seattle hotel room.
In tears, the Chelsea and England star pleaded: "I can't lose my wife over this. If I lose my wife, I don't want to live."
READ: Heartbroken Cheryl Cole 'dead behind eyes'
Speaking for the first time about the scandal, Ann, a 28-year-old local government worker, last night told the News of the World she only discovered Cole was married after they slept together.
She revealed: "When he rang me and cried I asked him, 'What's wrong with you? Why do you cheat? Why did you have sex with me behind your wife's back?'
"But he just replied that he didn't know. He admitted he'd cheated on her before and been exposed in the press. He was most vehement that I was the first person he'd cheated with. . . since the last time he got caught! I think he's got a problem."
Heartbroken pop star and X Factor judge Cheryl will be devastated by details of her philandering hubby's latest betrayal. In a sensational interview, Ann detailed how Cole:
Cole seduced Ann while he was on a pre-season US tour with Chelsea last July. "All in all, the sex lasted three or four hours," she told us. "I was very taken aback by how intimate he was and how needy he was.
"It was like having sex with a boyfriend, someone who loves you. Ashley took my clothes off and was incredibly attentive.
"He was a creative and adventurous lover. At the end he was satisfied and so was I. He was aiming to please, not just out to satisfy himself.
"When we went to sleep, he wanted to snuggle up close. I don't like sleeping like that and he made me too hot.
"But even when I moved to the other side of the bed Ashley still wanted to hold hands and have that contact. And that was sweet."
Ann had been introduced to Cole on Friday July 17 by a friend whose partner is a former British football official and already knew Cole. They all met up at Seattle's Four Seasons Hotel ahead of Chelsea's Saturday game against the Seattle Sounders.
Almost from the start Ashley was captivated by Ann. But she was far from impressed. Ann, who works for local politician Tom Rasmussen, recalled: "Ashley was small and slight like a little bird, but he was very polite and seemed fun.
"The whole time we were talking he was slumped down in his seat, wearing jogging pants and looking totally out of place in the grand surroundings of the hotel. I really didn't pay him much attention.
"When he started a conversation about being famous and claiming he was 'hounded by the press' I remember thinking, 'You're no Brad Pitt!'
"I told him straight, 'Oh, come on! If you're going to be famous, you've got to court the press!' And with that we started sparring back and forth.
"But instead of being annoyed with me, Ashley was impressed. He even whispered under his breath to our mutual friend, 'Hmm, she's witty!' So there was a spark from the start and I started noticing how much attention he was paying to me.
"When I mentioned that I was throwing a baby shower for my friend and couldn't come to watch him play next day, he wouldn't accept that. He kept telling me, 'You've GOT to come! You've GOT to!' "
On the way home with her friends Ann discovered just HOW keen Ashley was on her. "The guy in our group was texting back and forth to someone and giggling like a girl," she said.
"When I asked who he was messaging, he replied, 'Ash.' Then he showed me a photo Ashley had sent him to show me. It was a picture he'd taken of himself wearing a disgusting pair of tiny whities - briefs.
"He looked really skinny and was smoking a cigarette. I thought it was really gross. Just nasty."
Ann had no idea this was a trademark part of Cole's technique in pulling women behind Cheryl's back. It worked a treat on soccer club secretary Vicki Gough, who was last week revealed as yet another conquest.
Ann added: "My friend told me, 'Ashley wants you to send a picture back.' So I made an ugly face and stuck fingers up either side of my head like devil horns - not a flirtatious picture at all.
"When Ashley texted back asking us to come back to the hotel my friend immediately sensed something wasn't quite right and said, 'Hell, no!' I was happy to go home." Next day Chelsea beat the local side 2-0 and in the evening Cole was out with the other players. Ann met them at the Amber lounge bar and Cole made a beeline for her.
She said: "As soon as he saw me, he called out, 'There she is, the little devil!' referring to my picture, and rushed over excitedly.
"From that moment he attached himself to my side like a little puppy. Wherever I went, he followed. It never crossed my mind he might be married. I didn't think that someone would be so full-on and publicly affectionate with me if he was attached. Ashley was openly cuddling and kissing me.
"When he told me, 'I fancy you, you're really beautiful' I just laughed it off and joked, 'Neat!' "
The party eventually moved to The War Room club where Ashley and Ann continued to get close. She said: "Ashley wanted me to sit next to him, hold hands and sit on his lap.
"At one point someone spilled beer on the floor and it splashed up with all the dirt on to my leg. Ashley immediately grabbed it and licked the mess off. That really grossed me out."
Shortly before midnight, the party was abruptly cut short by the Chelsea curfew, which meant all players had to be back in their hotel rooms by 12. But Ashley was determined to take Ann with him.
She told us: "I was starting to have fun when the team driver came in the club and told the players to pay their tabs so they could head back.
"Ashley immediately started begging me to return to the hotel with him. He said despite the curfew he was still allowed guests in his room.
"At first I told him, 'Just because YOU have to go don't ruin MY fun. Maybe I'll come later.'
"But he begged so much I eventually agreed to go with him, along with our friends. But when we got outside, there was no room in the Chelsea van because some really trashy-looking blondes had already climbed inside. I'd no idea where they appeared from.
"I said something snotty and joked they were taking our seats and, quick as a flash, Ashley kicked them out!
"Back in his suite he immediately lit up a cigarette and started chain-smoking. I was shocked that he was a sports star and smoking so heavily. There was an ashtray full of butts and the room was really messy and smoky.
"At first two other players and my friends were in the room too, but they very quickly left. So by about 1am Ashley and I were alone, just lying on the top of the bedcovers and chatting.
"Ashley was begging me to stay and, as I was having a good time, I thought I might as well. He kept telling me, 'Just stay and sleep.' So that was the pretence that I stayed under. I'd just sleep and leave in the morning. But almost immediately after that we started fooling around.
"When I raised the issue of a condom Ashley acted like he was really shocked. He told me he couldn't believe I'd asked. He said having a condom would suggest he was banking on sex.
"So we carried on like that for a bit, him trying it on and me stopping him, But, in the end, we did have unprotected sex. It's the only thing about the evening that I'm ashamed about.
"Next morning I was up first and immediately felt awkward. But Ashley was just the same as the previous night and wanted to fool around. So we had sex again.
"He had a full itinerary but said, 'Why don't you stay here all day. You can have a bath, order room service and wait for me.'
"Twice he asked if he could see me again that night. I told him I had to go home during the day so he asked for my phone number and stressed, 'You are coming back, right?'
"At one point he asked if I wanted him to get someone from Chelsea to take me out of the hotel the back way, in case I was seen. I thought that was terrible." But Ann got a bigger shock when she arrived home and checked out her new lover on the internet.
She recalled: "I discovered he was married - and had cheated before," she said.
"I couldn't believe it. I was so stunned I was hyperventilating."
In fact Ann is the FOURTH girl caught up in the Cole scandals.
He was exposed in 2008 for bedding hairdresser Aimee Walton. Last week it was revealed X-rated pictures of him were sent from his mobile to model Sonia Wild. Then the white pants seduction that led to him bedding secretary Vicki came to light.
"After finding out the truth I'd no intention of meeting up with Ashley again," said Ann.
Next day, instead of confronting the sports star over his deceit, confused Ann sent a text asking HIM to keep their one-night stand quiet.
"It all now seemed a huge mistake and I just wanted to forget about it," she said.
"I messaged something like, 'Great to meet you but can we keep a lid on this please?' Ashley called straight back. He said he was at the airport. He was laughing and said, 'Wow, no girl has ever said that to me before!'"
Cole then followed up with a text saying: "Your so cute, thank you for a lovely time. x. I will not say a word. x."
But by Wednesday July 22 Cole was the one in a panic, when rumours of the fling surfaced. He repeatedly called Ann.
"Ashley started ringing me all hours," she said. "It got really annoying. He'd get distraught and start mumbling and crying how he didn't want to lose his wife.
"Half hour on he'd call again. And then again 15 minutes later.
"That went on the whole time he was in the US.
"After Chelsea went home I never heard directly from him again.
"But the mess he's in is all his own fault. He's behaved like a jerk."
- Thymus Mecauley.
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