Scrooge's dedicated but underpaid clerk. After an accident with Scrooge's hat leads to temporary dismissal and wage withholding, he struggles financially to provide for his family's Christmas. He later faces the prospect of permanent unemployment, prompting Scrooge to eventually rehire him with a raise.
The plot contrasts Fred's secure social world with Bob's economic vulnerability, without showing a direct meeting between them.
Fred is shown celebrating Christmas with others while Bob struggles to provide a family Christmas after losing his job.
Scrooge employs Bob as an underpaid clerk at the counting-house.
Bob is identified as Scrooge's clerk, and Scrooge orders him to return early after Christmas.
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