Dear Sir,
I had approached Shankheshwar Palms, Dombivli West for purchase of a new flat in July'09. The project was approved by HDFC. The builder promised me that I will get possession by Dec'09. On the date of agreement registration, I found that the builder has changed the date of possession to Dec'10. He objected to it but he told me that it is only for safety reason. I will get the possession of my flat in Dec'09 only. I paid 80% of the flat cost (Rs.15 lakhs) immediately. After that my waiting period was extended till date. In Sept'10 builder informed me that your flat is ready and demand letter to HDFC for balance 20% loan amount is sent. After seeing the condition of my flat / building I found that still 10% work was uncompleted like plumbing, painting, putting window glasses etc.. There was temporary water supply thro' tanker. Some needy flat buyers had started staying in their flats.
I approached HDFC saying that flat is incomplete and why to pay balance loan amount to builer. Instead HDFC executive told me that HDFC Survey engineer had confirmed construction work is complete and they issued me the cheque saying that if I want, I can keep the cheque in my possession till the construction work is complete. Now my complete EMI has started. I paid the cheque in the hope that builder will complete the balance work and there is no point in keeping the cheque idle / builder may use that money for construction work. Now after 4 weeks, I have to struggle for getting the possession / getting uncompleted work done complete. Builder is telling me that after taking the possession, have to give Rs.1000/- to him for using the electricity for furniture work/welding work of grill, as he has taken commercial rate electricity from MSEB. We will get the residential electricity by next month.
My question is that how HDFC survey engineer can certify that construction work is complete. Secondly, how builder can directly give the demand letter to HDFC and HDFC telling my that your flat is ready and you can collect the last installment of loan amount which is to be given to builder.
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