Fate is determined by our actions and actions of those around us.For example.. You get into a car with someone drunk and they crash and you are paralyzed it was not fate.It was choices,he chose to drink and drive and you chose to ride with him. Not a pleasant example or scenario.Sorry! I have heard so many talk about about someones bad luck or Fate when in fact they had made their own. Or again someone else made a choice that was bad.I think using luck or fate relieves some of taking responsibility.
I guess everyone has free will. First of all you should note that fate is described as the result of the past while free will is apparently the result of the present. I think we can also be controlled by fate.