According to your facts, the particular allotment was done in 1986, which has exceeded the limitation period specified in section 80 of CPC, yet you can send them a legal notice if you have reasonable grounds for the delay so caused.
You have a good case but advocate fees and other expenses may be higher than amount you are claiming but you are advise to claim compensation of Rs. 2 Lakhs or so towards your mental torture etc.
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You may approach Banking ombudsman or High Court to resolve the issue.
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As per the facts, this is the case of medical negligence.
You need to first send them a legal notice. Than, you can file a complaint in the District consumer redressal forum.
You must try contacting them about the mode of refund, and if not answered properly, you should send them legal notice for the same.
You can file an FIR with the police station of the railway station or can file a complaint with the railway station authorities.
You may issue one notice to the builder stating your grievance, allowing him 30 days time to meet the problem falling which you have to file a complaint case before the consumer redressal forum.
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