1) One having deeds from which he hopes good but they end up as scattered dust and are altered to evil deeds.
Allah (swt) says in Surah An-Nur 24:39
وَالَّذِينَ كَفَرُواْ أَعْمَـلُهُمْ كَسَرَابٍ بِقِيعَةٍ يَحْسَبُهُ الظَّمْآنُ مَآءً حَتَّى إِذَا جَآءَهُ لَمْ يَجِدْهُ شَيْئاً وَوَجَدَ اللَّهَ عِندَهُ فَوَفَّـهُ حِسَابَهُ وَاللَّهُ سَرِيعُ الْحِسَابِ
As for those who disbelieved, their deeds are like a mirage in a Qi`ah. The thirsty one thinks it to be water until he comes up to it, he finds it to be nothing; but he finds Allah with him, Who will pay him his due. And Allah is swift in taking account.
Allah says in Surah Furqan 25:23
وَقَدِمْنَآ إِلَى مَا عَمِلُواْ مِنْ عَمَلٍ فَجَعَلْنَاهُ هَبَآءً مَّنثُوراً
And We shall turn to whatever deeds they did, and We shall make such deeds as scattered floating particles of dust
Fudayl said concerning this verse, “And there will appear unto them from their Lord, that wherewith they never reckoned”.
“They worked deeds thinking them to be good when in reality they were evil”.
2) A servant commits an evil deed to which he pays no regard, thinking that it is insignificant, and that sin will be the cause of his predition.
Allah says in Surah An Nur 24:15
وَتَحْسَبُونَهُ هَيِّناً وَهُوَ عِندَ اللَّهِ عَظِيمٌ
“………you counted it a little thing, while with Allah it was very great.”
One of the companions said; “You are doing deeds that are in your eyes, more insignificant than a hair, whereas at the time of the Messenger of Allah (saw) we would consider them to be destructive sins.” [BUKHARI # 6492]
3) One to whom the evil of his conduct seems pleasing.
Allah says in Surah Kahf 18:103-104
قُلْ هَلْ نُنَبِّئُكُم بِالاٌّخْسَرِينَ أَعْمَـلاً - الَّذِينَ ضَلَّ سَعْيُهُمْ فِى الْحَيَوةِ الدُّنْيَا وَهُمْ يَحْسَبُونَ أَنَّهُمْ يُحْسِنُونَ صُنْعًا
Say: "Shall We tell you the greatest losers in respect of (their) deeds''
"Those whose efforts have been wasted in this life while they thought that they were acquiring good by their deeds.''
Ibn Uyaynah said when death came to Muhammad ibn al Munkadir he became apprehensive and so the people summoned Abu Hazim and he came. Ibn Munkadir said to him, “Allah says, ‘And there will appear unto them, from their Lord, that wherewith they never reckoned,’ and I fear that things will become clear to me and confront me that I never expected.” Then both of them broke down in tears.
Fudayl Bin Iyad said, ‘I have been informed that it was said to Sulayman al-Taymi, “You! Who is there like you!” He said, “Quite! Do not say this! I do not know what will appear before me from Allah, I have heard Allah saying, And there will appear unto them, from their Lord, that wherewith they never reckoned’.
4) Sufyan Al Thawri would say upon hearing this verse “Woe to the people of ostentation”. This can be seen in the hadith about the three who would be the first to be hurled into the fire: The scholar, the one who gives charity, and the mujahid.
5) The one who has done righteous deeds but has also wronged others and he thinks that his deeds will save him, so there confronts him that which he was not expecting. All of his deeds are apportioned amongst those who he wronged, then some wrong remains to be requited, and so their evil deeds are piled onto his and as a result he is hurled into the fire.
6) His account could be scrutinized, at which it will be asked of him how he was grateful for the blessings granted to him. The least blessing will be balanced against his deeds and outweigh them with the remaining blessings yet to be outweighed! This is why the Prophet (saw) said, “Whoever’s account is scrutinized will be punished,” or “will be destroyed”.
7) He could have evil deeds that destroy some of his deeds or the deeds of his limbs, save Tawhid, as a result of which he will enter the fire.
Ibn Majah records on the authority of Thawban that the Messenger of Allah (saw) said, ‘There are people amongst my nation who will come with deeds like mountains and Allah will render them as scattered dust.” This hadith goes on to mention, “They are a people who have your skin, they spend part of the night in prayer as you do, but they are a people, who when they are alone, violate the prohibitions of Allah.”
A person could have his deeds annulled because of showing off or arrogance and the likes yet not even be aware of it!.
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