Banshee

Banshee's are the most terrifying creatures in Albion. They have the psychic ability of knowing ones biggest fears, and their insecurities, and use this to either aggravate, or to cause them psychological trauma.
Banshees mainly infest Wraithmarsh, but it is possible to see one in unusual spots, such as coast lines, dark wooded areas, graveyards, and if you dare go to one, a summoning circle. Banshees are the souls of women who have fallen into darkness by the greed of others, having been treated very badly. They appear as a floating, hooded, human outline covered by rags. Banshee screams depress all who hear it, and fills them with the horrors of their past, trying to demoralise them.
Banshee Queens are said to be servants of a long forgotten god, who resembles a golden skeleton. Banshee Queens can be seen holding onto golden bones occasionally.
Banshee's are known for using vicious mockery, some lines reported are:
"Your son/daughter despises you." "Do you really think everything in existence revolves around you? This world will carry on without your parasitic presence." "You are worthless, let me take your life now and put you to rest." "Nothing you do means anything, and when you die, you will be forgotten." "You bring only despair to this world. It is better off without you." "Potentis lives, and you couldn't do anything to stop it." "The people you see, all the people you talk to, they are not real. You are alone in this universe. Terribly alone." "I will bring you peace." "Come with me, my love. I am your bride." "Your King has abandoned you." "Close your eyes. You cannot escape the inevitable." "Succumb to my embrace." "Think of all the time you've wasted fighting blame, when you could have been leading a normal life." "Join us. Join us. Join us." "Avarice awaits." "Lord Gortash fooled the Sword Coast, it doesn't take a genius to fool Albion." "The whole world despises you." "Why do you think you continue to cheat death? Not even oblivion wants you." "Love wasn't enough to keep him/her with you..." "Not even your gold was enough to make her/him stay." "Your son/daughter hates you, he/she will get a blade in the night and plunge it through your heart." "Your husband/wife is cold and alone right now. Balverines will feast on his/her flesh."

Lots of insults for your pathetic life.
All hail the old god.