Business and Dealings

Income schemes

Q: When my father was alive he was on a good job but side by side he had an amount in regular income schemes from where he used to receive a certain amount monthly. Now as he has passed away, this amount from regular income scheme has remained the only way of earning. My question is that, in the case, is it permissible for me to go to my mother's house and eat there. I am happily married alhamdulillah.

Paying back only the principle amount in an interest bearing loan

Q: My dad took a credit card back in Oman and told us that he is taking it for emergency purposes and told us that he will pay back the bill within 52 days as to avoid interest according to the bank. We lately moved back to Pakistan and used the entire credit card while coming and now we have the money but 52 days end on this 15th and we have kept the money but can't find any source. So If God forbids we can't pay back before the 15'th and the interest is charged and if we only repay the principle amount but not the interest, will we be punished? Is it haram?

Rights of people that one had usurped before accepting Islam

Q: Am I allowed to go to learn Deen or Hajj or Tabligh or other Deeni purpose? The problem, I did a few things when I was a non-Muslim but after conversion, Alhamdulillah nothing.

When I was non-Muslim, I had no bad intention, and I needed a place to live. So I had a company through which I sold webpages, design, spam services and I decided to search for a flat and I found one flat and this was an advertisement of some real estate agent, (a system that owner of flat used the service of real estate agent to get clients). So the owner of this flat was a heart doctor, so I had some money but I didn't have the third part of the rent (first payment needs to be like 3x rent, I had only two parts, if I am correct) and because of deadline I had to fake one paper of payment, so they believed that I have paid  money will be received soon (like the next day) but next day this doctor was in another country for some thing, so there was no problem for me. I didn’t pay, and after I lived like three months I didn't pay no rent and no other costs. One reason was that my company wasn't doing well to pay it. So after the third month I just moved out and I left the key and I sent an sms so and so. For now I have not heard anything of them. Not from doctor and nor from the real estate agent.

My company ordered services from an accountant and when she finished the work, then I did not pay. Now she has not contacted me but when I contacted then she said yes I owe her like 1000€ and some interest.

Before Islam, in France 2 times + other time(s) for 2 times I got judgment and I spent like a few years in jail. (2-7 years for I got 3 + 2  years alhamdulillah bigger swallowed other smaller one.)

Anyway, the problem was I bought from a seller credit card, debit card data from all over the world. (how seller gets the data/info:

1. A person is working in some pub, hotel, restaurant etc. and when the client gives credit card he swipes it also from his personal card copier, so he copies the data without client knowing it. When worker makes copies of credit card with copy machine (like papers) so he just collect the copies and sells them. He just hacks and takes anything they want. All this is done while the person does not know he is stealing. So I buy this data, and I make credit cards by using this data which I bought, so I go and use it to buy computers, and other valuable electronics, pay hotels, restaurants, and rent a car and so on, like clothes and jewellery. As this credit card data that I bought was in another continent and I paid in France and the real person paid in his own country with the real credit card, then the bank refused to give money to the businesses of France and returned the money. So when I got the judgment, they say that I need to pay 18k€ to the bank of France for damages that I have done but when I payed some little amount of money then I got receipt that I have paid the hotel that I used.

All of this was done before I became Muslim. Doesn't Islam erase all my previous life things. I became Muslim in the jail so after I came out I started to pay but now I have no money, house of my own etc. Someone is offering me to go to a Madrasah for free, can I go? He is not giving me money, just a scholarship sort of thing.

Student loans

Q: Six years ago I applied and received a student loan from Iqraa Trust. At this point in time I was not aware that majority of their funds received is Interest money from financial institutions. My questions are:

1. Have I committed a sin by accepting the student loan without knowing it is interest?

2. Can I repay the loan that they gave me using Interest money?

3. Will students who know that it is Interest money but accepts it as a student loan to be repaid back be sinful?

Make maaf for asking such a question, but after doing some research I found out that their is no Aalim on their board or who is associated with them that could guide me on this issue.