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Sayyed Mohammad Al-Musawi,
Sayyed Mohammad al-Musawi is originally from Iraq and heads up the World Ahlul Bayt Islamic League in London. Other than being involved in various humanitarian projects, he frequently responds to religious questions. In the past, he has also spent significant time in India guiding the community. 3753 Answers
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Zaid Alsalami,
Shaykh Dr Zaid Alsalami is an Iraqi born scholar, raised in Australia. He obtained a BA from Al-Mustafa University, Qom, and an MA from the Islamic College in London. He also obtained a PhD from ANU, Canberra. He has written and translated several Islamic texts and also prepared educational videos on Islamic rulings and practices. 707 Answers
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Delaying the full payment of Khums is a sinful act whether Hajj is intended or not.
Hajj is invalid if any amount used in its obligatory acts are from saved money out of which Khums is not paid fully.
Wassalam.