Consumer Redressal

I have book falt with under 20-80 schema JM builder at greatr noida west. I have give 10% of down payment at time of booking as precondition. And give my all required document to bank for process my loan with hdfc but due to my personal loan eligibility not found. So we attach my father a gov. employee with me in flat and send document to bank loan process.but father retirement in next 5 year its not processed.And the builder old me try with Reliance but same result happens. During booking they promises me if loan not passed we will return complete amount without and charges.But when i ask for return they deny me and told it cancellation charges