وإن استهلكه أجنبي فالمرتهن هو الخصم في تضمينه
Translation: If a third party destroys the pledge, the pledgee has standing to claim the indemnity.
An ajnabī here means a stranger to the pledge arrangement, neither pledgor nor pledgee. Ownership remained with the pledgor, but the creditor held a secured financial interest. Accordingly, the pledgee can pursue the person responsible for the loss and claim its indemnity.
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Who claims when a stranger destroys the pledge
Kitab al-Rahn: Manumission, Destruction and Liability for Injury
وإن استهلكه أجنبي فالمرتهن هو الخصم في تضمينه
Translation: If a third party destroys the pledge, the pledgee has standing to claim the indemnity.
An ajnabī here means a stranger to the pledge arrangement, neither pledgor nor pledgee. Ownership remained with the pledgor, but the creditor held a secured financial interest. Accordingly, the pledgee can pursue the person responsible for the loss and claim its indemnity.