Discharging zakaat incorrectly

Q: A woman wants to discharge her zakaah to a qualified recipient in another city. The recipient instructs a third person to collect that zakaah on his
behalf, and deposit in an account. The third person collects the zakaah. Therafter the recipient instructs the third person to please not deposit the zakaah, and not to collect it! Due to a delay in the third person collecting it! The third person after receiving this information via text message
acknowledges! Still collects and deposits the money! Now the bank account which was not the recipients account was in overdraft! With the result the entire zakaah amount was used up and the recipient did not receive it. So who is liable to replace that zakaah?

Ruqyah

Q: How can I help myself with ruqyah and what is the proper Quraan and Sunnah method? Where can I find a proper help in Johannesburg?

Giving one's assets to one's wife

Q: This is a matter related to gifts and inheritance. I am married, with no children. I have adult brothers and sisters. I have decided to give with immediate effect all may assets, wealth, future earnings, including the pension I am accruing at work, to my wife. She will be the sole owner and final decision-maker. Of course, she may consult me if she wishes to and I may express as an opinion, but ultimately she will take the decision. However, the assets etc will remain in my name under secular law because of the huge legal and financial implications in transferring ownership. But my intention is clear: I want to give everything to my wife now, and I will see her as the owner and write a document to this effect and respect her right to take decisions. Will such a transfer of ownership be valid or invalid in shariah? I will appreciate your guidance.