Will one receive the reward of fasting in Zul Hijjah if he keeps qadha fast in the first 10 days of Zul Hijjah?

Q:

1. If a person has fasts pending for a vow that he has made without him having specified the date, can he fast these fasts of zul hijjah or should he keep those fasts first?

2. If he has to fast for his vow in these 10 days will he acquire the sawaab of the zul hijjah fasts? Also if a woman fasts ramadaan qadhas in these days does she get the sawaab of zul hijjah fasts?

Conveying the reward of one's waajib qurbaani to many people

Q:

1. When a person performs one’s personal obligatory qurbani, for example one sheep, and intend donating the reward to the Messenger of Allah (sallallahu alaihi wasallam) or some other deceased individual, will the person performing the qurbani and the deceased get the full reward of qurbani?

2. In the above mentioned situation, when performing one's own obligatory qurbani like a sheep, can the reward of the qurbani be conveyed to multiple people (deceased or alive)?

Charging the customer a penalty on late payment

Q: What can a company do to customers who default in their credit payments?

1. Can a company charge them a penalty for exceeding their credit term? If not, what are the Shar’ee alternatives?

2. Sometimes, customers who exceed credit terms request proofs of deliveries again, although an invoice was sent to them with the delivery. Can a company charge them for this, just as Fnb and any other bank charges for producing a statement over 3 months old?

Qurbaani of a horse

Q: In my country the price of goat, sheep, and cow is very expensive and it is very hard for us to buy a share in qurbani. I would like to know if we can do a qurbani of a horse and is horse a halal animal?