Non professional, no value of time

Review on Pacifica North Enclave, SG Highway, Ahmedabad

I need a help, if any one can.

I booked a flat in Ahmedabad in 2016 alongwith our 3 colleagues in North Enclave by Pacifica Companies on terms

1. Margin money of 3.5 lacs was to be paid in initial 24 EMIs of 14440.

   
   




2. Rest 90 % of amount was to be paid by loan from SBI.

   
   




3. Company was to pay interest on EMI which customer pay till possession.

   
   

Present situation is that :

Till date, AFS agreement for sale has still not been delivered by company.

The possession is to be given by 2024.

Ironically, company is forcing that, till now, 45% of total amount-35 lacs, was to be paid till now, which we have not paid(due to lack of AFS), we are being penalised by 15% ( 4 lac penalty) for the company's mistake of not providing AFS and no loan.

Now they are forcing to cancel the deal and also recover 4 lac from us.

What can we do, pls guide.

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