Paying for a loan taken from the marhoom

Q: After our marhoom father's demise a few years back, he had left the house as inheritance to our marhoom mother and us, their 6 daughters Alhamdullillah.

However, our mother sold the house last year and paid each of us our shares and she kept hers. Our mother lived with my 1 sister while she was in Cape Town and with me while she would be in Johannesburg, and Alhamdullillah we had a very good relationship.

Now, since our mother is marhoom, we discovered that 2 of our siblings had taken a loan from our marhoom mother (inheritance) a few months ago, but our eldest sister without knowing how much exactly it was, she felt the need to make mashwurah with us the same night of our marhoom mother's demise (astaghfirullaah) and asked, if we can all agree to forgo those 2 loans (as sadaqah) to our 2 siblings, and pay whatever is the outstanding doctors bills, etc. from our marhoom mother's inheritance (which our mother still had from our marhoom father) then whatever is left, each of our 6 sisters must share it equally including the 2 siblings who have taken loans from our mother of more than R20 000 each (as we are only girls, we are aware that our share should be ⅔ each). Although my 1 sister insists she wants to repay the loan but our other sister seems to still want to keep that as sadaqah and still expects to receive a share from the inheritance. She's not saying it outright though but when I confronted her asking how much exactly she took as a loan, I was really disappointed that she took such a big amount as a loan from our marhoom mother knowing she's a pensioner, although she kept her inheritance separate. I even asked her, how could you take such a big loan from ma but yet each of us received our inheritance already and she said that ma agreed when she showed ma the proof why she needed it (her 2 boys school fees).

She got very upset crying and hung up on me and refused to take my call again after I attempted to call her again. This is heartbreaking that it's come to this as our parents have always been fair with all of us, no matter what.

Mufti, I respectfully ask, what is the Islamic way of dealing with this as my sister is very angry with me for questioning her about it and that I told her it's not fair towards the rest of us if she walks away with that loan and the other sister is paying it back? With all due respect, it's not as if she cannot afford to repay it. Please correct me if I'm wrong and guide us how to handle this with the qudrat of Allah Ta'ala.

We are a very close-knit family but I'm afraid this has now left a bad taste in our mouths. We have to do this the Islamic way.

Using lillah for personal use and doing a transfer into the lillah account and using lillah to pay for bank charges

Q: We have 3 bank accounts from the same bank. One is personal, one is lillah and the other is Zakaat. We use these via the banking app on the phone.

1. Many times, we receive cash lillah donations for which there is no immediate use. Depositing those funds into the account will cost high deposit fees. Can we use that for personal use and then do internal transfer from our personal account to the lillah account? Or is it compulsory to deposit and pay the deposit fees? Who should incur that fee? Donors give any amount like R500 or R2000 or R3000 in cash for general or sometimes specific needs. The deposit fee will then be deducted according to the amount. Who must bear that fee. The internal transfer is primarily meant to save those costs.

2. All 3 accounts incur monthly interest. Withdrawing those interest funds is a cost. Even transferring them via eft is a cost though much less. Can we remove those interest amounts from cash on hand? Again, this is to save lillah and Zakaat funds.

3. When transferring Zakaat to a recipient via eft, there is a bank charge that comes off the Zakaat account. How should this be done or who should bear this cost?

Imaam renting out a waqf house and earning a rental from it

Q: The trustees of a certain masjid allowed the imaam to reside in a house which is owned by the masjid waqf trust. However, instead of the imaam residing in the house, he rented out the house to a third person thereby receiving a monthly rental.

Was the imaam allowed to do this? If not, then what should be done with the rent that was received? Is it permissible for the trustees to allow the imaam to keep the rent?

Removing thoughts that one's duas are not being accepted

Q: I am very sad, worried, depressed and lost. I'm doing everything to please Allah but nothing is working out in my life.

I read 125000 times ayate kareema alone in almost 4 months only asing Allah to wipe off my sins and also give shifa from those diseases which came through my sins. I'm badly affected by impotency, premature ejaculation and everything.

I am daily reading minimum 1500 times astagfirullah,
100 times 7 powerful ayat from Quran i.e. La ilaha illa anta subhanaka inni kuntu minnazAlimeen.
Subhannallahi wabi hamdihi subhanallahil azeem
And other 5 known and powerful ayats.
And also min 500 durood shareef

I'm reading this for last 5 year wihout skipping a single day. I'm honestly reading this for Allah forginess and also to get shifa for my many diseases. I am now becoming hope less and don't see any future for myself. Please advise what I'm missing or doing that Allah is not even listening.