Holiday greetings generally contain salutations of thanks and wishes for a happy season. A note from HSBC hits all of those points, but then tacks on a quick threat you’d expect from Scrooge: pay us, or we’ll take your home.

A photo of HSBC’s holiday note was first tweeted by James Ball an editor at The Guardian on Wednesday morning. Ball tells The Huffington Post that he saw the sign posted at one of the bank’s branches in central London.

The note reads: “Christmas. Home made. Thanks to over 100,000 of you who trusted us with your mortgages this year.”

That seems like pretty standard holiday greeting fare. But what comes next is less holly jolly and more bah-humbug.

“Your home may be repossessed if you do not keep up repayments on your mortgage.”

So basically HSBC wants to remind consumers that the holidays are time to be thankful, because, hey, if you don’t pay the bank, it has no problem taking away your home.

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