Ebenezer Scrooge — Master of the Counting House

A London wool-and-credit merchant who measures obligation in coin is about to discover that some debts are carried by the living and the dead alike.

Ebenezer Scrooge runs a prosperous counting house that finances cloth shipments, urban property and merchant ventures. He is feared for exact contracts, cold rooms and colder decisions. Yet the supernatural world has taken an interest in him. The ghost of Jacob Marley has begun appearing around Scrooge’s accounts, dragging the symbols of unpaid obligation behind him and warning that the merchant’s ledgers have become a moral trap as real as any curse.

At a Glance

• Role: Merchant-financier, creditor and haunted miser
• Primary region: London
• Status: Alive and active
• Campaign use: Difficult patron, supernatural moral target, merchant-network NPC
• Power: Modest personal threat; considerable economic influence

What Is Ebenezer Scrooge Doing Right Now?

Scrooge has begun hearing chains in rooms where no one stands and finding account pages turned to names he did not open. He believes a rival merchant is trying to frighten him until Marley appears where no mundane intruder could have entered.

At the same time, a winter grain-and-fuel shortage is forcing him to decide whether to enforce contracts that will ruin several debtor households. His decision affects the Cratchit family directly and gives the haunting immediate stakes.

Encounters

• Scrooge hires the party to prove the haunting is fraud and becomes angry when they cannot.
• A ledger vanishes from a locked strongroom and reappears open at one family’s debt.
• Marley speaks to an adventurer because Scrooge refuses to listen to the dead man directly.
• A merchant rival offers to buy Scrooge’s debt contracts cheaply during the panic.

Personality, Appearance and Manner

Sharp, suspicious and emotionally armoured. Scrooge notices waste immediately and sentiment slowly. His humour is dry, his hospitality minimal and his fear of dependency stronger than his greed.

He wears good but severe wool, carries keys and account tablets, and keeps his office warmer only when ink begins to freeze. If transformed by play, he should remain recognisably exacting rather than becoming foolishly generous overnight.

Relationships and Influence

• Jacob Marley: dead former partner whose haunting is both warning and unfinished business.
• Tiny Tim and the Cratchits: a family whose welfare turns abstract wages into visible consequences.
• London merchants: respect his solvency and dislike his inflexibility.
• Debtors: know Scrooge primarily as signatures, deadlines and collectors.

Equipment and Possessions

• Counting-house keys and seals
• Ledgers, tally sticks and contracts
• Strongbox and reserve coin
• Heavy winter cloak and walking stick
• Merchant correspondence and warehouse claims

Using This NPC at the Table

Scrooge should be a social and supernatural pivot, not a combatant. The party can influence him through evidence, relationships, visions and consequences, but simple Persuasion should not erase a lifetime of habits.

Adventure Hooks

• Marley’s Chain: one link bears the seal of a contract Scrooge does not remember signing.
• The Cratchit Debt: a minor account becomes central to the haunting.
• Three Visitors: different spirits demand the party escort Scrooge through three dangerous visions.
• The Bought Ledger: Moriarty or another network wants Scrooge’s records for reasons unrelated to morality.
• A Changed Man: if Scrooge reforms, rivals immediately test whether mercy has made him financially vulnerable.

Related Places and People

• British NPCs
• British Isles
• England
• London

Sources and Adaptation

Adapted from Charles Dickens’s public-domain character into the fifteenth-century London merchant economy. Victorian offices, technology and Christmas-specific religious framing are removed; the core story remains one of debt, isolation, consequence and supernatural intervention.