Violation of subvention scheme by the builder

Hi, I booked a flat under the subvention scheme in Fashion Premier by Home and Soul at Formula 1 track, Yamuna Expressway, Greater Noida. I have been informed that we have to give the Pre-EMI when you get possession but our Pre-EMI got started without any intimation for the past 3 years. Also, due to some land dispute, the builder has not been able to build the proposed flats and as a result, i am paying the P-EMIs of a loan that the builder has available in my name under their subvention plan for a project which does NOT exist. If I refuse to pay the EMI and default the payments by CIBIL score will affect severely. I am screwed big time and the building has offered to continue my PEMIs though. Please suggest how I get out of this mess although my relationship with the builder has been cordial and at the same time I cannot get debited for their loan on a project that doesn't exist. Due to financial strains, the builder is unable to pay back the loan in one go and has asked me to cooperate. I am losing my patience too.