Is it permissible to file a complaint against someone who delays the installment he owes?
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Question:
He says: I sell and buy cars on installment, and I have more than seventy customers who buy on installment over a period of three years. Some of them delay the monthly installment, so I file a complaint against them and take what is due to me from them. Is there any sin on me for complaining against them? No.
Answer:
It is a mistake on your part, so you are entitled to claim your right, unless he is in a state of financial hardship. In the case of hardship, one looks at the matter, as Allah the Exalted said:[Al-Baqarah 2:280] [Al-Baqarah 2:280]. However, if he is well-off and merely delayed the repayment out of procrastination, it is permissible for you to complain about him and demand your right from him, based on the saying of the Messenger (peace and blessings be upon him): The one who is well-off is the rich person who is able to pay.
He says: I sell and buy cars on installment, and I have more than seventy customers who buy on installment over a period of three years. Some of them delay the monthly installment, so I file a complaint against them and take what is due to me from them. Is there any sin on me for complaining against them? No.
Answer:
It is a mistake on your part, so you are entitled to claim your right, unless he is in a state of financial hardship. In the case of hardship, one looks at the matter, as Allah the Exalted said:
And if someone is in hardship
وَإِن كَانَ ذُو عُسْرَةٍpostponement until [a time of] ease
فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍThe one who has means is an oppressor, and it is permissible to expose his honor and punish him.
لي الواجد ظلم يحل عرضه وعقوبته
Source
قناة «العلامة الدكتور صالح الفوزان»، هل يجوز تقديم شكوى في حق من يؤخر القسط الذي عليه؟ الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.