The last Ghost, the most terrifying of them all, the Ghost of Christmas Yet to Come.
The Ghost is draped in a dark black cloak and replicates the grim reaper. He doesn't speak, instead uses his hand and finger to point.
He shows Scrooge at first some rich upper-class men talking about a funeral and speaking about this dead individual in economical terms. They are speaking of Scrooge.
Scrooge's servant is shown to have taken his belongings, even the curtain of his death bead, to sell them to a man called Old Joe. This whole stave shows the carelessness of people towards Scrooge in his death - a harrowing realisation for Scrooge.
We are taken back to the Cratchits' home and they are all devastated by the death of Tiny Tim.
The last scene Scrooge is shown in his neglected grave. He pleads the Ghost for a chance of redemption and salvation, and whether these events can be reversed if he alters his behaviour.