Twisted A Haunted Carol

Not only was his business partner, Ebenezer Scrooge, one of the meanest misers in all the world, but their clients seemed to be going bankrupt left, right and center.
Things went from bad to worse when Jacob decided to investigate matters, discovering that Scrooge and Marley may be responsible for those troubles...
How could this be?

He had always been a fair minded man and would never do anything underhanded or illegal. And not reliable old Bob Cratchit. If he were an embezzeler and thief then surely his family would not be so very poor. But if not he, then who? That left only...