Thirty years ago, an elderly man, to whom I paid quarterly a small annuity charged on some property of mine, came on the quarter-day to receive it. He was a dry, sad, quiet man, who had known better days, and had always maintained an unexceptionable character. No better authority could be imagined for a ghost story.He told me one, though with a manifest reluctance; he was drawn into the narration by his choosing to explain what I should not have remarked, that he had called two days earlier than that week after the strict day of payment, which he had usually allowed to elapse. His reason was a sudden determination to change his lodgings, and the consequent necessity of paying his rent a little before it was due.He lodged in a dark street in Westminster, in a spacious old house, very warm, being wainscoted from top to bottom, and furnished with no undue abundance of windows, and those fitted with thick sashes and small panes.This house was, as the bills upon the windows testified, offered to be sold or let. But no one seemed to care to look at it.A thin matron, in rusty black silk, very taciturn, with large, steady, alarmed eyes, that seemed to look in your face, to read what you might have seen in the dark rooms and passages through which you had passed, was in charge of it, with a solitary "maid-of-all-work" under her command. My poor friend had taken lodgings in this house, on account of their extraordinary cheapness. He had occupied them for nearly a year without the slightest disturbance, and was the only tenant, under rent, in the house. He had two rooms; a sitting-room and a bed-room with a closet opening from it, in which he kept his books and papers locked up.