Consumer Redressal

Hi I have booked a flat in Today\'s Group , Project Named - TOdays Ridge Residency , Sec 135 , Noida Expressway last year 28-11-2011 . Its been close to an year and i have faced multiple issues from the builder : Issue 1 - I was given allocated a already booked unit in I Tower by Mistake from the builder , they even charged me and took the booking amount cheque in favor of the same tower I , I have the photocopies of that with me , Later on when they realized of this Issue they offered me to book my flat in another tower J , which was not approved that time and was newly launched - I had to do a compromise and i agreed with builder mutually regarding the same on the promise that construction of the Tower will be as per the agreed time . Builder took about an year for just getting the Tower construction started due to approval from Noida authorities - But in the meantime builder took two demands already from me (booking amount of 2 lakhs and second demand of 3.5 lakhs and third demand of 9 lakhs) on which my loan with LICHFL was started and i was paying the EMI for the same . I would like to know why that has happened and what is it that can be done to ensure that my property construction is completed in time ? Issue 2 - Due to the delay in the approval process of the Tower J - LICHFL did not approved my Loan , their were lot of followup\'s . After about 10 days from the due dat of the 3rd demand (50 days from date of booking of 9 lakhs) LIC approved the loan amount . Due to this their was a delay of about 10 days from the due date which builder provided in the demand note , As a Consumer their were no issues from my end then i should not be held responsible for paying any delay payment charged at the time of possesion from the builder Issue 3 - Builder is not providing ample time from the day the demand note is sent to me till due date - 4th demand which i recieved for the Basement Slab i recieved the demand note via courier on 31st october and the due dat was on 9/11/2012 which is approximately 7 working days for bank to process and i do manage my share . Due to such stringent timelines and some technical issues from LIC the demand got delayed till 19/11/2012 - As a Consumer again my share of money was always ready on time but due to such a short notice LIC Couldnot process the cheque on time I have Recieved another such demand on 24th Jan 2013 , and due date expected is 4th Feb 2013 (5 Working days) Because 25th Jan 2013 and 26th Jan 2013 were bank holidays - How can someone arrange lakhs of money and how can a bank process Loan amount in such a short notice Please Suggest and Guide what are the Steps i should take so that builder should not charge me Interest or Late Payment Charges on the above issues - I have all the Emails that i have sent on the above issues with me Regards Saurabh