Being entitled to a refund if one receives a different kurta from the one ordered

Q: I purchased a kurta from a family member, the kurta I ordered was from seeing a picture which they sent to me, upon receiving the kurta I noticed the studs are completely different from what was ordered. 

I brought it to their attention, sent it back and awaited feedback. I was told that what I initially ordered was old stock and what they gave me is now the new range [I was not informed before about this] nor did they mention that picture is for illustration purposes only. 

I asked for a refund as I'm not happy with that product. They are now saying they don't do refunds and I should pick something else. All this was not told to me when dealing and payment was made. I've made it clear that I don't require anything else and a refund is the way forward. 

According to them they don't see any fault or difference in what they gave me as BRAND and COLOR of kurta is same.. the only difference is the studs on the kurta (which is the whole point). Now I'm being told that since I'm DEMANDING a refund they would minus a percentage of what I paid to them as a service fee, again I was not informed about all these things prior to the transaction\deal. 

They are justifying all this by saying that since I am family they didn't charge me delivery fee which they paid to THEIR SUPPLIER (for them to get their stock, not for it to be delivered to me). According to them they have full right to claim this delivery fee from me and I am in the wrong. 

Please advise

Sound system malfunctioning during the fardh salaah

Q: Some people were reading salah in the main hall and others outside the hall. The microphone got cut half way through, such that the people outside the hall couldn't hear the imaam or see him. There was also no one to call out the takbeer. What is the ruling in this case? 

1. Is the salaah valid for those outside despite the mic being off throughout the rest of the salaah? 

2. Some people broke their salaah and some carried on. Is their salaah valid? 

3. If the mic was to start working again, then can the people outside carry on and catch up to the imaam?

Redeeming points from a bank and giving it in charity

Q: My question is regarding Standard Bank U Courts. 

I do have points currently which I am not using as I believe that its haraam. 

Can I redeem the points by purchasing items from their stipulated stores and give it away in charity to my non Muslim helper or to an old age home or orphanage. If this is possible, does it have to be to a non Muslim old age home or orphanage? 

I also have the intention to cancel the U count

Doing the decor for a birthday party

Q: I recently started learning how to do balloon decorations and someone asked me to make some decor for their birthday party and my mom agreed without me giving consent first. 

I am well aware that we are not allowed to celebrate birthdays and I do NOT intend on celebrating nor attending this birthday party. Am I allowed to make the balloon decorations for this person with the intention of not celebrating with them?

Women going around to give bayaans

Q: A very concerning matter facing us here in the UK and I believe in many countries. The matter is that some ladies have opened a door of going around place to place to give bayaans. They become speakers and attend as well as put together conferences where they attract audiences based on their skills in language and the ability to deliver an entertaining talk. 

Some of them podcast on social media for everyone to listen to. Men have full access to listen to them live or to the saved video recordings. Some of them do so in niqaab and some without. 

This oratory by these women has become very appealing to young girls who see this as a goal to achieve in their spiritual growth. 

These women openly encourage other ladies to do the same and as a result there are teams of such ladies going around almost like shaikh and mureeds. They attract big followings and people are being misled to believe that the sahabiyaat use to also lecture and advise men in the matters of deen. 

They lure young girls with the snare of online quran classes and then lead them to the same desire to be lecturers and hold their own conferences. This has also become a business in the name of deeni efforts. This looks very attractive to modern muslim families that their wives and daughters are getting some kind of exposure to deeni knowledge and it is also very convenient in keeping them busy and as it is said rather keep them off the streets. 

Women and girls are also attracted through emotional activities of social and welfare work. In most cases the harms are not immediately apparent. 

Should innocent families be warned about this? To what extent should women be allowed to have these kind of lecture conferences? How should people be made aware ? Will appreciate your guidance on this matter