Those moments in games where something happens that makes you want to shit enough bricks to build a wall to hide from what caused you to shit enough bricks to build...you get the idea.
I myself am not too much of a gamer and I'll admit to getting startled and scared easily, but I'll say the most memorable for me.
Pikmin 2 - The Water Wraith.
This thing have me nightmares as a kid. Not kidding. 100% true. It's a giant beast you encounter in an underground complex that's located and mapped so only one kind of Pikmin can enter the complex; The blue Pikmin, rendering you defenceless against it.
Also, the music and atmosphere of this place is so foreboding that you want it to appear to get that feeling out of your mind but also you're scared of him appearing. It's design scared me a little, it was so human and non human at the same time I was terrified of it. It will put you into a wave of fear and panic whenever you see it (Nintendo actually added that statement in the game), but if you aren't scared, you're pushed into a corner of being unsure what to do and start panicking.
Siren Blood Curse - The Zombie Policeman
This scene is frightening. Flat out frightening. He chases you into a house and you're pushed into hiding into a closet and he walks in that room and stares you out for really long. I don't know about you but this gave me the feeling he was actually there and I was in that closet, it just seemed like it.
Rayman 3 - Hoodlum Havoc - Desert of the Ughh....Canaran, is it? Correct me if I'm wrong.
Anyway, I was really young playing this, and this part was really scary for the innocent little mind I had playing it. The roars, quotes and lurking stature of these things always really scared me to one point nearly tears. Don't say anything funny or witty, I was very young and like I said I scare easy. I don't have this game anymore so I can't go back and think about this whole experience again only from memories from a ling time ago.