This account comes from my wife, during a conversation about this page last night.
She was around 7 years old at the time and was at the coast in Tynemouth, Tyne & Wear, UK, walking up a coastal path with her sister and aunt. As they approached the top of this path (which opens out to a picnic area), she clearly remembers seeing a lone lady standing at the other side of this reasonable small area, looking out to sea. She says she looked at this lady with more than just a passing flicker as there was something abnormal about her. With closer inspection, she vividly remembers the lady's clothing as being old fashioned. She describes her dress as a "white flowing" dress. She was wearing a hat, and she also seems to remember her holding what she thinks was a book.
My wife also said there was a slight sepia colour to her, and she a sad feeling and she said she also never saw her face. As she, her sister and her aunt approached the end of the path (it takes a dip where the view of the picnic area is obscured), as they rose back up and onto the area itself, she looked for the lady again, but she was nowhere to be seen. She ran around the area looking for her, but the lady had disappeared completely. The only way back from this area is either via the path my wife was on, or down the cliff and into the open sea, and they did not pass anyone on the path, and saw no one in the water (thankfully).
She has thought about this over the years, and has tried to come up with a plausible and logical explanation, and failed. It is the only ever encounter she has had where she feels she has genuinely seen a ghost.