The scene where Scrooge enters his lonely mansion late at night. He sees the ghost face of his former partner Jacob Marley on his door. Later he goes to his room but still can't forget the image he saw earlier. Then the bell in his room starts ringing on its own and Scrooge hears chains rattling from beneath the cellar and slowly coming towards him. Then Marley's ghost flies thru the door...
When Scrooge mocks Marley the ghost flies in a rage and his jaw falls open unto his chest! A frightening image if there ever was one!
Marley's fate in general. He warns Scrooge how he is doomed for ever and carries a chain with the weight of his crimes. When Scrooge sees him disappear thru the window the nightly sky is filled with ghosts of former colleagues of Scrooge, all doomed to wander around with chains and weights. One of them tries to help a poor woman crying over her child, but since he's doomed he can no longer do anything for her!
The description of the Ghost of Christmas Past makes it sound like some kind of Eldritch Abomination. No wonder most adaptations don't bother trying to match it on screen.
"... its belt sparkled and glittered now in one part and now in another, and what was light one instant, at another time was dark, so the figure itself fluctuated in its distinctness: being now a thing with one arm, now with one leg, now with twenty legs, now a pair of legs without a head, now a head without a body: of which dissolving parts, no outline would be visible in the dense gloom wherein they melted away. And in the very wonder of this, it would be itself again; distinct and clear as ever."
The Ghost of Christmas Present showing Scrooge the children Want and Ignorance from under his robe. These starved and bony children even frighten Scrooge.
After which the Ghost rapidly ages into a corpse before Scrooges eyes!
The Ghost of Christmas Yet To Come is a towering, wraith-like figure in a dark hood whose face is never seen, and who never utters a word, simply pointing and letting Scrooge's Bad Future speak for itself.