What is the name of this made for TV movie?

It was wet in the 1980s or early 1990s at the latest. There is a girl who gets kidnapped and the woman kidnapper makes the girl get in bed with her body guard whom the kidnapper makes take off his clothes so she can photograph both of them together in bed and black mail them. Then the kidnapper calls the parents house on a really huge mobile phone and the housekeep says mrs can’t be bothered bc she is excerising. And while all of this is going on the narrator of the story is another girl telling the story to her school class as a sort of presentation/ show and tell.