Verification of a Hadith

Q: I read a hadith that says"There are three individuals that, when they supplicate to Allah (Azz’ Wa Jal), their supplication is not answered: a man who has a woman of bad character and he does not divorce her, a man to whom another man owes money and he does not have witnesses over him, and a man who gives money to a weakminded person."

Does that mean that if one does these things none of his dua will ever be accepted? How does one get his dua accepted again if he does these things?

Hallucination

Q: People hallucinate especially people with mental issues. They can be extremely happy compared to messianic visions. People even befriend characters that represent typical images for prophet Muhammad (Sallallahu Alaihi Wasallam) or Isa (Alaihis Salaam). What is Islam's view on this? 

Making dua to be blessed with male children

Q: I am the eldest child of my family (a male), and have 4 younger sisters Alhamdulilah. I am also Alhamdulilah married and have 2 children (1 boy and 1 girl). However, when I was younger I always wanted to have brothers but never did.

Is it permissible to pray to Allah Ta'ala for Him to bless me with more son’s or only sons if I have future children inshaAllah? Before my daughter was born, I made a lot of dua to Allah Ta'ala to bless me with another son but I was still very happy Alhamdulilah to be blessed with a daughter. But I would really want my other children to be sons InshaAllah. Please advise what I should do?

Taking a loan from a bank

Q: There is a bank here which is offering me personal loan. I was not interested in taking that because it is haram as they will get more money in return of the money they gave me. However the bank showed me a stamp of their personal loan option from the sharia council. So can I rely on that stamp fully and avail this option. I do not know about the minor details like will they charge more if my instalment is delayed or etc but it has been approved by the sharia council so is it allowed in islam?