What was your scariest encounter with a UK house spider? What was your reaction? What happened?

> My worse encounter happened in bed. It was early one morning and I woke up with a big hairy house spider over my mouth. Terrified, I shouted loudly, jumped up (by which time the spider was crawling widely inside my mouth). I spat it out, stamped on it and then consequently had nightmares about my ugly encounter for several nights after.