While all of Victorian England is in the merry spirit of Christmas, along with collecting for the poor, all on the mind of Ebenezer Scrooge (Scrooge McDuck, voiced for the first time by Alan Young) is all his money he makes in the town counting house and making more of it for himself (apparently, Scrooge charges people 80% interest, compounded daily). While Scrooge's selfish and greedy thoughts cascade in his head, Bob Cratchit (Mickey Mouse, voiced for the first time by Wayne Allwine) continues to work long and hard for him, though he is overworked and underpaid (a mere two shillings and a hay penny a day), and collectors Basil of Baker Street and Dr. David Q. Dawson, along with other beggars on the streets, are kindly asking of a simple donation to the poor. Scrooge insists however, that he should not make a donation as he tries to convince Basil and Dawson that if he does, the poor won't be poor anymore and they will be out of work.
Even his cheery nephew Fred (Donald Duck, voiced for the last time by Clarence Nash, making Donald the only character voiced by his original actor) invites him for a wonderful Christmas dinner, but Scrooge rejects the invitation. However, the night before Christmas, the ghost of Jacob Marley (Goofy), Scrooge's once-greedy-and-cruel counting house partner, enters Scrooge's home and warns him that if his greedy and selfish behaviour continues, he will be forced to carry heavy chains for all eternity when he dies, just as has happened to Jacob himself as punishment for the way he treated people when he was alive. (In Scrooge's case they would be seven times heavier than Marley's chains!)