Meaning of "Allah Paak will call you to perform Umrah"

Q: I heard many people say, including my husband, that when Allah pak will call you that's when you will perform Umrah but I wanted to know that if you don't have the intention of going, don't have your mind set, ain't done your preparation of going, how can you say your not ready because Allah did not call you, when I didn't even put any efforts myself.

If applying for the visa and then the visa gets rejected will be more like Allah pak does not what you to come yet. Is this right or wrong? Do you need to make the niyyat for anything before you can say that Allah did not want you to do this etc?

Imaam going into ruku immediately after reciting the aayat of sajdah and making the intention of sajdah tilaawat in ruku

Q: In Fardh Salaah, as an Imaam, if I read an Aayah of Sajdah, can I immediately go into ruku at the end of the Sajdah Aayah? i.e. (not going down into a Sajdah Tilaawah), but making intention of sajdah in the ruku.

NB: I did this a few items without informing the congregation.

Please can Mufti Saheb inform me what is the correct thing to do.

Wiping off splashes of water from the toilet seat

Q: Please can you help me with the following:

When I flush the toilet, drops of water fall on the seat, does this make the seat napak? If something napaak falls on the toilet seat, I usually wipe the seat with a wet cloth then wipe it with a dry tissue. Sometimes my thigh gets a bit wet when I sit on the seat as the seat is not completely dry after I have dried it, will this make my thigh napaak? 

Seller charging more than the fixed price when selling an item

Q: I bought an electronic item from a store and it was discussed that the amount would be 67000 INR even if I pay once or in 3 installments. On the bill it was mentioned that 22333x3 will be deducted from my card every month for 3 months and also it was mentioned as 65300 as principal and 1700 as interest. Is this allowed as the amount was fixed?

Later, I found out in the statement that around 100 rupees was charged extra and total amount which they took was 67100 INR.