I have never knowing encountered ghosts, but my uncle was notorious for attracting them (as was his daughter when she was little). He was a joiner and often in other people's houses, he recounted many stories of strange encounters during his working day.
DH is not a believer per se however, he did have one encounter in Fort George, on the walls out toward the bay there was one "corridor" that lead to a watch tower where many soldiers reported feeling watched or uncomfortable. He didn't like it either and often felt particularly cold in that one area at all times of day or night. One day as he was walking back toward the wall something blocked him, he felt pushed back. It was freezing cold and he was terrified. Body charged his way back out and ran. Never felt anything like it before or since but his pal said he often felt that in that one location.
Final story. A work colleague moved into a house, a renovated Victorian cottage that had recently been refurbished into a modern two storey family home. There were various unexplained occurrences, mostly things being moved that could be explained away, however, there were two locations that were very problematic. One where it was permanently cold and often felt oppressive. The dog wouldn't go near it. This was against a wall in a downstairs room. The other was the stair. Often he and his wife would feel a presence pushing past them or through them, again cold and oppresive. They were so spooked out by it they got priests in (they were both church goers). This didn't do anything at all but one of the the priests recommended a medium. She told them that one of the former home owners was an elderly gent who was very unhappy at the changes in the house, his home. Particularly the upstairs extension (hence the distruption on the stair). Where they felt the cold by the wall used to be a door between two downstairs rooms and a very well used thoroughfare that the "ghost" still used. She advised to communicate openly and in a friendly way to him, and explain their hopes for the home and love for it, to be accepting of the presence and not afraid for he was not benevolent, merely upset. They did this and in short time stopped feeling so oppressed and afraid in their home and with a little more time stopped being aware of anything at all. They both firmly believed that their home was occupied by a previous owner who was struggling to accept the changes and that he either left to the "other side" or accepted their presence and stopped being a nuisance. Again all the activity happened all the time and, in fact, they were more aware of it during the day as they were moving around the house more at those times. The house itself had been owned by two owners that held the house for an extended period, living an entire adult life in the home so they were never sure which of those it was, but were convinced it was one of those two owners that "haunted" them.