In this situation it is better to file a suit against the builder and make the association a party to it, and get a stay on the society of disconnecting essential services.
The association can ask you the money as they are not obliged to collect it from builder,
If you are not a member yet in the association , the association can disconnect the water supply, whereas once you are member of the association and stop paying maintenance, the association cant disconnect the f water any other services, but can recover the amount with interest by filing petition before the concerned authority.
The builder ought to have transferred the amount collected for formation of association or towards maintenance
It is true that you will end up in spending money in terms of getting an order form the court, but at the same time the litigation charges can be asked from the opposite party.
Present situation it is necessary to take the builder to court. so you have to chose the option best suitable for you in terms of money, that is either pay to the society and suffer the loss otherwise go to court make both builder and association parties to the suit and get a stay on societies threat of disconnecting services .