A woman who has accused a Metropolitan Police officer from Aylesbury of raping her said he claimed he thought she was “just playing hard to get” when she told him no, a court has heard.

She said she kissed James Geoghegan, 27, in her bedroom at home in Loughton, Essex, after returning there at around 3am after they had been drinking, and it was consensual but he then pulled her pyjama shorts down.

Geoghegan had decided to sleep there instead of returning to his home in Enfield, north London, before following the victim into her room “uninvited” later that morning as she was undressing.

In a police video interview played in court, the woman said: “I pulled them back up, said, ‘No. Stop’.

“He then pulled them back down.”

Giving evidence at Chelmsford Crown Court from behind a screen on Monday, the woman said: “I held on to my shorts for dear life to the point where my fingers hurt.”

She said that after the defendant removed her shorts she put her hand over her genitals to try to “block” him, but “he took my hand away and pinned it to the bed”.

Geoghegan, of Aylesbury, then allegedly raped the woman at her home in 2018.

The woman told jurors she “put the blame on myself for the first couple of days” after the alleged rape.

“I just remember lying there looking at the ceiling thinking, ‘This is disgusting’,” she said, in her police video interview.

She said the defendant fell asleep afterwards and she cried.

She added that she later asked him, “Do you understand why I’m upset?”, and, “Do you remember me asking (you) to stop?”

“He said, ‘Yes, I thought you were just playing around’,” the woman said.

She added that Geoghegan told her: “I thought you were just playing hard to get and being flirty.”

She went on: “He just said he’s sorry then he left.”

The woman said: “We were kissing and that was all consensual, mucking around for a bit, laughing. He was saying he’s going to marry me one day.”

She said he was lying on top of her.

“He wasn’t pushing me down or anything,” she said. “He was on top of me but not with his weight on me.”

She said he then pulled her pyjama shorts off, and she told him no and pulled them back up.

“He’s a lot stronger and bigger than me and pulled them off,” she added.

She described the defendant as “6ft something” and of “quite large build”.

“I personally think if somebody says stop it means stop,” she said.

She said she had had some alcohol, adding: “There’s bits missing as there was quite a lot of drink involved.”

Wayne Cleaver, prosecuting, told the court: “The prosecution case is simple: (the victim) said ‘no’ and (the victim) said ‘stop’ and that is exactly what she meant.”

He said the defendant “disregarded her limits and decided instead to press on”.

“It was totally unreasonable, he had no reasonable belief that she was consenting, less still that she was inviting sexual intercourse with him,” Mr Cleaver said.

“It may be that he felt that he had waited long enough and this was his opportunity to go all the way without any real regard to what she actually wanted and to what she was clearly indicating.”

He said that as a police officer, Geoghegan had “professional insight” on where “sexual boundaries may be crossed”.

The trial continues.