I've not but my dad shared a short story of his encounter and a friend also. My dad was a heavy smoker and a drunkard. He comes home late almost everyday. According to him, he said he was on his way home on this fateful day around 1 am with his stick of cigarette in his mouth and he saw one fat woman walking towards him. He said she was shapeless and her legs wasn't touching the ground as she walked towards him. According to a belief in my country،the odour of cigarette irritates ghost . this was what made the ghost swing to another direction when he passives the odour of his cigarette.

The second one happens to my friend David. He does morning jugging everyday. One day he woke up without checking his time with the thought that it's time for his daily routine. Since there was street light everywhere, he didn't know that it was 2 :30 am. He started jugging down the road. It wasn't long before he observed that no car was passing as he jugged further. He had to return half way when he discovered he must have left too early. On his way back he saw three people ahead of him all in white robe sitting beside the road facing each other with their head touching one another. He said immediately he saw them , his legs became heavy,his head was expanding and there was cold all over his body. He reluctantly jugged backed home and he felt headache he said.

Left for me, I havnt encountered such but these two people close to me have.