sug
Can you orgasm if you masterbate? If so then the problem is not physiological.
This would then place your problem "in you head", assuming the guy is functioning properly. Male, right? Opposite gender, right?
What does this mean? "we get to a certain point and freeze and cannot let him carry on." You need to define the point where your freeze then work on what might be the cause of that reaction. That may not be so easy to self analyze since many people hide from themselves or do not what to remember what the real problem is.
Without knowing many details about you or your problem I would suggest the following.
Next time, do not let the guy seduce you. Tell the guy that he is to remain passive and you will ravage him, and if he moves or grabs you, it is over.
What happens if you are on top and in control?
Then try getting a timer(kitchen type) and tell the guy he can not have you until the bell rings.......set it for 45 minutes of foreplay! Don't tell him what the timer is set for and don't let him see it.
Your story reminds me of a girl in New Orleans who was great in bed, up to a point. At the moment of penitration she would go nuts and abruptly end everything almost acting like she was being raped. The really strange point is that weeks later she was back to repeat the same thing. I was not able to convence her that I liked her and valued our relationship if she would let it develope. She would become very uneasy of I attempted to talk of sexual abuse in her past.
My conclusion was that she had been abused and viewed herself only as a piece of 'ass' who repeately confirmed she was a 'dirty little girl' by letting herself be violated. Once she was penitrated she was discusted with herself and had to flee the abuser. Her desires to become a real woman would bring her back to another attempt.
I hope you can work through your problem.