Interest and Gambling

Q: My question relates to interest which was obtained unknowingly from my medical aids savings account. Can I use this money to pay it into my bond which generates a monthly interest fee.

Q: I have recently moved into a house which forms part of complex and is run by a body corporate. The house belongs to my wife in a Family Trust, however I pay the expenses to run the house. I have just recently found out that the monthly levies I pay includes a portion which is allocated to insurance for the home. I was unaware of this and thought that the home was uninsured. 

Please advise on what I should do ?

Q: Standard bank charged me an honoring fee of R100 which I don't think is fair. Why would they let a transaction go through if my bank account didn't have any funds? 

I tried contacting them but they declined to reverse the transaction. I have a normal debit account. Anyways I am now due to pay them this fee of R100. Can I pay them with haraam interest money?

Q: 

1. Is it permissible to take part in a lucky draw where the participant pays a fee for a ticket and thus enters themselves into the draw where the outcome would be such that they would receive a prize? 

2. Is it permissible if the ticket is purchased for some event, (e.g. a dinner) and thus results in the person becoming part of the lucky draw?

Q: Please advise the best ways (most recommended ways) to spend/dispose of interest money earned from a bank savings account?

Q: If one took a riba based loan, and he repents, should he repay only the capital portions of the loan or also the interest on the loan?

Q: Two parties want to enter an agreement: Person A wants to loan money to Person B. 

The amount is marked up by 10% and the repayment is over a fixed period e.g. 4 years. 

If there is a clause in the agreement to say that if you pay by 3 years, you will get R2000 back. 

Is the rebate of the R2000 clause permissible? Is the allocation of marked up shares permissible?

Q: I have had some interest money which I gave to a paraplegic in a wheelchair at our local mosque. I didn’t tell him it was interest. I did not expect any sawaab for this. He made so much of dua for me and I kept saying آمين. 

Is his dua acceptable and is my saying آمين acceptable.

Q: Previously I should donate any interest accrued monthly. 

My father said I rather keep it because he will be buying a big property within a year or two, and we can use the interest for paying the property taxes, municipal rates, etc. which are exorbitant. 

Would this be okay - to withhold the interest for sometime with the intention of paying taxes?

Q: I have the following queries regarding the U Count rewards from Standard Bank. I do earn these points but do not use them as per your previous fataawa that I read on your website. 

My questions are as follows: 

1. Can I purchase items from the U Count participating retailers e.g. Makro and give these items to my helper who is a non-Muslim or any Muslim person or any Muslim organization e.g. a Muslim orphanage? 

2. Can I purchase items for me e.g. R1000.00 using the points and then take R1000 in cash and give it away to any Muslim, non-Muslim or any Muslim organization?