This happened 15 years ago. I've told it fairly regularly to friends.
We booked a holiday cottage for 5 of us, plus a mooring for a boat. The place was actually a farmhouse split into two cottages just outside of Loddon. Looking at Google Maps I believe it was Hardley Estate on the edge of Hardley Lake.
I'm fairly sensitive and was not keen on the first bedroom - my sister and her husband took that - the other two were ok. Firstly I couldn't sit on the loo straight (the loo was downstairs off the kitchen on a corner next to the back entrance of the second cottage). Second I couldn't go to the loo at night on my own-not normal in my case.
Anyway I was first up to make breakfast. Fine the first 3 days but the 4th, looking out the back door in full daylight! (count door as south, as loo window is east) I see a classic ghost: white, flapping, floating and transparent?! Floating past the backdoor, loo window (aha) and through closed door into empty other cottage! What is really odd, my friend staying on boat used cottage loo-couldn't sit on it straight. My sister studying on her own, went outside to study as she didn't feel comfortable (she lives in a supposed haunted house!) My husband who is as sensitive as a brick saw the same thing as me (mentioned it several weeks later).
I've searched the net but can't find anything on the place. Although at the time in Loddon a lot of the shopkeepers were, "Oh, you're staying THERE, really." I would love to hear from anyone else who stayed at this place.
I will add I've seen other ghosts, strange to say in daylight never the dark, and always had problems turning my back on various doors and windows which I have later found the ghost is supposed to pass or go through.
The other places are The Horse and Groom, Linby, Nottingham. A private house in Hucknall, Nottingham, The Blue Ball, Branston, Rutland. Rothley Court, Oakham, Leics. My old house in Gedling, Nottingham. The Shire Hall, Nottingham.
I may share these other stories but am a bit worried about reactions.
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Also can you tell us more about the appearance of the ghost - what did it appear to be made of? Was it misty? Did it glow? Did it have a well defined shape? Matt or shiny? Etc.