A buyer booked a flat in Ruparel Luminaire in April 2022 and paid a significant amount, only to discover the project lacks a Commencement Certificate (CC). The BMC has halted construction due to issues with the previous developer, Siddhivinayak Construction. Despite a December 2025 possession date, there's no progress, and the builder is demanding a 20% penalty to cancel the booking. The advice given is to issue a legal notice to the builder demanding the CC or a refund with interest. If the builder fails to cooperate, legal action through the consumer forum is recommended, possibly with collective action from other affected buyers.