Hi, may ask for your expert opinion about our case. We signed up for a house and lot which are supposed to complete the downpayment within 18 months. Due to financial difficulties we incurred arrears in completing our downpayment but we paid for the penalties already and we are almost finish in paying for it. We requested for an account reconstruction in December 2017, however until today (September 2018) we have not heard anything from the developer yet. So we decided to stop paying since we do not know what is the status of our account. We called and asked if we can have a refund, though it may not be full, but they said it is not allowed. We do not want to continue the contract with them because they (developer) has issues with a lot of buyers and in some of their projects are discontinued.Are we going to be able to refund the payments we made for the house and lot we signed up for, though we have not completed the downpayment yet? What is the best way to deal with this? Thank you in advance.