This is my full account.
I am writing this under a pseudonym. I am an American working in a field involving considerable professional scrutiny. The one time I discussed this, at a family holiday party after a few drinks, I was laughed at and ribbed for the next few years, so I can only imagine how my present employers might react!
In March of 2006, I visited Loch Ness with my then girlfriend. It was the last week of the month (either the 28th or 29th). We were at Inverness for business purposes, hers not mine. We decided to visit the famous castle on the water and as we drove from Inverness we saw something in the water.
The time was late afternoon, I would say between four and five. We'd been day drinking which made driving on the other side of the car even more interesting than it already was! It also somewhat compromises the specific details such as precise location and time.
When my girlfriend began exclaiming that "there's something in the water," I laughed and said she was joking. Finally I realized she was being serious and pulled off to a layby somewhere near the Clansman hotel (I remember because we went in afterwards to the gift shop to tell everyone what we had seen). As soon as I pulled over, my girlfriend was pointing at the water and I saw it.
I can't really judge size on water, its not my specialty, but it was HUGE. It looked like a whale. I would say it was gray like an elephant with a neck that was swinging side to side over the water. That was really what it looked like, an elephant waving its trunk. There was a huge commotion in the water behind it. The thing was just massive. It was swimming back toward Inverness the way we came.
My girlfriend was fumbling to get her camera out of luggage in the back seat before the monster was gone. She was tipsy and we were both shaking. She finally got it out of her bag and took a picture through the car window. We were so shaken up that neither of us thought to roll down the window. She tried to take another snap but her memory card was full, and as she fumbled to delete sightseeing pictures to make more room, it was gone. It just sort of went down while it continued swimming toward Inverness.
In retrospect I wish we had taken photos of the water afterward which was quite disturbed, but it wasn't until I began reading up on the subject that I realized it might have been of value. We took the picture to the gift shop and the lady at the counter told us to go the exhibition center to show it, but we got cold feet and just went back to the hotel at Inverness and drank some more. When we got back to the States, we put it on the computer and pretty much never looked at it again or even talked about the experience. It was almost like we felt guilty.
My girlfriend and I long ago broke up and I have since married, and the one time I told my wife (it was the holiday party at her family's house), the response was so embarrassing that whenever she jokes about "that time Justin saw Nessie," I just sort of laugh it off.
I just found the picture last week on a CD rom containing files I removed from my ex's computer before I moved out following the breakup. It was in a folder with 90s alternative rock mp3s! I hadn't looked at it in years and while the quality isn't great considering it was just a point and shoot she'd owned for a couple years, it still made my heart skip a beat. Seeing it again caused me a sleepless night because I am sure I saw something that isn't supposed to exist, and over the years I sort of talked myself out of it (too much beer that day, etc). Now its all back again, and I feel a little shakey. It wasn't a pleasant experience, even though there was no threat of physical harm.
I am not a Loch Ness Monster enthusiast and know as much as the average person. I didn't care about it and certainly wasn't looking for it. Same with my ex. All I have is the photo, taken through the passengers side window (slight camera reflection) showing a dark body and neck low over the water. I am afraid to publicly post it in case I am penalized since I wasn't the photographer and don't own the copyright. Things ended badly and I can't imagine it would be a pleasant conversation if I reached out to her. But I want t to share it and don't know how.