Waking up with fear during the night

Q: I would like to know what to do in the case of waking up in the middle of the night and seeing shadowy figures all the time. If this used to happen and was at a worse state but then stopped and now is back again. I know that the wearing of amulets and such is not right, so what is the ruling on these occurrences. What is permissible- I firmly believe only Allah has the power to protect and recite all the necessary adkhar before going to bed, but as I scream out loud every night and get really scared, my parents are worried and would like to take me to a moulana. Could this just very well be a psychological effect and not anything to do with the jinn kind or such, as I want to do things the right way and only put my trust in Allah. I also came across a hadith about the use of ruqyah and about the Prophet (Sallallahu Alayhi Wasallam) mentioning such people who seek this out in a negative way, so what constitutes ruqyah? Jazakallah and may Allah bless all those who make it their intention to help the ummah in whichever way.

Taking a profit against a loan

Q: I need my cousin to invest 50 000 for a service that I offer which is finding clients for private electricity pay as you go meters. My cousin is asking me to pay him back with extra benefits (cash) which I think is above the loan amount. Is there a special deal we can make to meet his requirements because I really need this as capital or is borrowing from absa shariah loans a better way to go?

Husband saying "if I ever enter this house then I divorce"

Q: A person was standing in his in-laws house. Some argument with his sister in-law turned into heated debate and in extreme anger he said that if I ever enter this house then I divorce. He did not mention his wife’s name or even not pointed towards her. She was not even present there. He stopped just on that word and when others asked him what he meant he said he was in anger and do not have any intention of saying that. The things normalized after that and he was again happily sat with them. He left his in laws house after a day. Now question is if he ever enters that house, will there be any divorce while he is saying that he did not have such intentions and word slipped out of his mouth.