Worst experience at Calgro and Standard bank

So we bought a house via this company in 2017 and up until today we havent moved in instead the customer service manager tells us that they are waiting for the city of Johannesburg to install water and meter electricity and that has been the story since April 2018.. and in March 2019 the bank started debiting us bond but no contractual procedure has been followed. As per contract, there was supposed to be an assessor assigned from the bank to do final inspection and upon the satisfactory of the assessor, then we sign a "happy letter" and are given a title deed and keys and we move in to the house and there after the bank can charge us! none of that was done, we went for an inspection, and saw a few errors that we made mention of and shortly after that we start to pay bond. How a bond for who where have no house in our name?