Demanding payment from a client

Q: I did work for a Hindu. Payment was due months ago. He owes me R425. It is a tiny amount, but I spent a lot of time on the work, and the amount will cover certain business expenses.

He promised thrice to pay. I stated clearly the terms when I quoted him before he paid the deposit, which he agreed to. But now he says, months later, those terms are unfair, so he will not pay. I should email, and message him several times for months, but no response.

He finally answered the phone. I was so angry at his excuses and lies, that my hands started shaking and I started arguing loudly and interrupting him. I never get vulgar or insult, but I was rude and hostile. I never became like this ever before on a worldly issue in my entire life. Eventually he said he will pay month end. I said "Thank you, goodbye".

If he was a Muslim, I would have overlooked this for the sake of peace and community, hoping reward from Allah Ta'ala. But this treatment from a Hindu, I don't appreciate. Please advise:

(1) Was I sinful in talking rudely, angrily, and hostile with him? If yes, must I apologize to him for being rude? He has continued to lie and ignore me for months, and I finally got to speak to him on this occasion.

(2) What do you advise regarding the R425 he owes me? Should I pursue it or just drop the matter in view of peace? The next option I can consider is issuing him a legal letter of demand, following with Small Claims Court. But I do not want to go to court. However, I can threaten him with it. Insha Allah I will follow your advice.

Status of the marriage if one member is involved in constant zina

Q: I wanted to ask if there is a lady and she has a husband who has had an affair which she recently discovered was also physical in nature for 2 years or so with a married woman, is the nikaah nullified for the wife?

As this husband continues to commit adultery and simultaneously have relationship with the wife? If the marriage is not nullified, what dua should one make for reconciliation after such deceit?

Mandatory travel insurance on Hajj and Umrah packages

Q: Please can you advise on the verdict regarding travel insurance. We understand all forms of insurance are not permissible, however I did notice that on the Hajj and Umrah packages there is mandatory travel insurance. Please can you advise what is to be done in this situation?

On the same subject, is it permissible to hire a car? There is also an insurance clause in the fine print of the agreement that needs to be signed before hiring.

If there are alternatives to the above that Ulama and others use when going for hajj/umrah please also let me know what these are.