Is the divergence in fatwas regarding purchasing a car from a bank with conditions attributable to differences among the schools of thought, and what should the inquirer do concerning this divergence?

Our previous answer regarding the Murabaha contract in banks focused on the conditions that contain شرعية (Shariah-related) prohibitions, foremost among them being the late payment penalty on debts, which is explicit usury as ruled by the Islamic Fiqh Academy. Accordingly, the Dar Al-Ifta (Fatwa Council) has issued a fatwa permitting compensation for damages resulting from a client's unexcused delay, but we do not agree with the Dar Al-Ifta on this, as compensation is not permissible in a debt contract, and this is the view of the majority of jurists and the Fiqh Academy.