Spike and the headless horseman?

Back in junior school, a group of us would often sit around telling stories. Looking back, these stories were awful. Before I get to the story about the headless horseman I am going to tell a story I remember someone telling me at school (please bear in mind that it is ridiculous).

A married couple move into a new flat on the fifth floor, but as they have just moved in they have no food to eat. They are very very hungry and are unsure what to do for food. The husband in this story is called Johnny by the way, which is useful to know for later on.
They then hear a knock on the door, and it's a man. The man takes pity on them and gives them his liver to eat, but warns them not to throw it away.
So Johnny and his wife consider eating the liver when suddenly Johnnys wife finds some sandwiches she'd forgotten about, so they eat them instead and throw the liver in the bin.
That night as they slept, they hear a faint whispering saying "Johnny I'm on the first floor I want my liver back". They decide to ignore it, but then hear it slightly louder this time saying "Johnny I'm on the second floor I want my liver back". They both sit up in bed and then hear it louder, "Johnny I'm on the third floor I want my liver back". They are now getting slightly scared as they hear it quite loud now saying "Johnny I'm on the fourth floor I want my liver back". Then it is really loud "Johnny I'm on the fifth floor I want my liver back!" and then splat! They both die.

So those are the awful types of ghost stories ten year olds at our junior school would tell. However one friend called Russell informed us that nearby where he lived there was the ghost of a headless horseman which he'd apparently seen. He told us where abouts it was, under a bridge, so one weekend Big Dave, Chimpy and myself decided to check it out for a scare.
The area that it was at was always quite an eerie place. It was always foggy there, and it was quite a desolate place near a big field which was always empty and heading towards farmland.
at the time we honestly didn't think we'd see a ghost, but then as we walked under the bridge we heard the sound of horse trods. They were getting closer and closer. This scared the shit out of all three of us, so we did the only thing we could we, we ran away! I don't think I've ever run so fast.
It was then that I looked back to see where the other two were. Chimpy was level with me, but Dave had stopped and was way behind us. Next to Dave was a woman on a horse talking to him. It turns out that it was a common place for people to take their horses out for a walk, and she'd asked Big Dave what the time was.
I did then feel very silly for running away, and god knows what the woman thought of us. We hung out around that area many times afterwards, but we never saw the ghost fo a headless horseman.