Home Loan for Flat

2 years ago

In 2015 April, I had booked a under-construction flat in Chinar Park, Kolkata. The project was pre-approved by LICHFL. Accordingly, based on my eligibility, I was sanctioned a loan amount of 21Lakhs. The rest amount approx 15lakhs was paid by my father's retirement savings. I was asked to pay 19,816Rs/Month as EMI. The flat was scheduled to be handed over in Decemeber-2016. However, the contractor kept on delaying handing over. Moreover, out of sanctioned amount of 21lakhs, LICHFL without informing us, based on contractor's request, disbursed 12lakhs in two separate installments. After several requests and followed up, we finally moved to consumer court against builder & LICHFL for resolving the matter.
Brief Summary:
Handing Over Schedule - Dec,2016
EMI Paid - July,2015 to Dec,2019
EMI Stopped - from Jan 2020 after written letter given to Consumer Court & LICHFL citing reasons.
Loan Balance - 4Lakhs Principle + 2 Lakh Interest.
Reason for dispute - Builder changed Flat premise main entrance and created entry from behind. The new premise entrance is so narrow that, only one 2 wheeler can pass at a time.
Till today, we have neither received flat, nor received any amount. Further due to covid, consumer courts are not functioning properly resulting in further delay. Plus since i have not paid EMI, my CIBIL Score has gone done. hence I unable to take loan from anywhere else for other reason.

What would be my steps in resolving these matter - 1) did not receive flat 2) Loan outstanding 3) how to improve CIBIL SCore 4) How to settle this ???