Business and Dealings

Q: We have a credit card account with FNB which hasn't been paid for about 1 and a half years. Over the period that the account was not paid, interest was levied to the account. I'm not to sure of the exact amount of interest which was levied on the account, but I have requested the amount. I'm awaiting their response. 

The account is currently handled by the banks attorneys and they have recently emailed us stating that the bank is willing to give us a settlement discount of 40% if the account is paid by the 29th of this month (November). 

Will it be fine for us to accept the settlement discount and settle this account as we don't have the money to pay the entire balance on the account and ان شاء الله a few friends will be willing to help us pay the account if we can settle with the settlement discount amount. 

Q: Is it permissible for a laundromat to wash wedding gowns and formal suits?

Q: Is travel insurance permissible in Islam, if it is optional or required?

Q: A person I know does online booking reservation for hotels and rooms for accommodation for 5 star hotels. Some of the clients that approach him are confirmed unmarried adults who want to book rooms for zina purposes. When it is 90% sure that these are unmarried and are booking for unlawful things, if I book the hotel rooms through my website, will it be halaal income or haraam income?

Q: I live with my parents, and over the past few months, I've made some online purchases using my father's credit card (with his permission). Since there have been quite a few transactions, I’d like to repay him but it would take a bit of time to track every individual purchase. 

Is it permissible if I give my father an amount that is more than the total of my purchases, ensuring I cover the minimum amount I owe him? 

For example, if the purchases total $1000, I would return something like $1200 to cover any uncertainty.

Q: If I go to a shop and ask for a refund, if the shop doesn't give me the money back but rather allows me to take something to that value, is it permissible? Please explain.

Q: When I was young I had a play station. Now I am studying in Aalim class. I don't use it anymore. Can I sell my play station?

Q: A year ago, I had a customer who wished to purchase an item for R1200. He only had R800. So he opted to leave his spare wheel with me. I told him that if you don’t come, I’m going to sell your spare wheel, he said yes, no problem, but I’m going to come. 

It’s been a year; I can’t get hold of him and he hasn’t come back. The spare wheel is worth about R2000. What should I do? Should I sell the spare wheel for R2000, take my R400 and give the remainder in Sadaqah, or should I sell it for R400?

Q: I own a butcher shop. When we weigh the meat, we weigh it with the plastic and the tray, and we charge him accordingly. Is this fine?

Q: I own a spare shop. Sometimes, the customer leaves a deposit or he pays for the item in full in advance, but he doesn't come back for the item. What should I do with the deposit/item if he paid for it?