Based on the provided legal document, the key points are as follows:

1. The court emphasized that a person cannot be made to wait indefinitely for possession of a flat allotted to them and is entitled to seek a refund of the amount paid, along with compensation, if there is undue delay (!) (!) .

2. Contractual terms that are one-sided, unfair, or coercive—especially those that leave flat purchasers with no real option but to accept unfavorable conditions—are considered unfair trade practices and are not binding (!) (!) (!) (!) .

3. The contractual clauses in the agreement were found to be wholly one-sided and unfair to the flat purchaser, and such clauses could not be relied upon to bind the purchaser (!) (!) (!) (!) .

4. Delay in obtaining the Occupancy Certificate and handing over possession beyond a reasonable period constitutes deficiency of service. The delay was more than two years, during which the purchaser had to service a loan and seek alternative accommodation (!) (!) (!) (!) .

5. The purchaser has the right to terminate the agreement and seek a refund of the entire amount paid, along with interest and compensation, especially when the builder fails to fulfill contractual obligations within stipulated or reasonable timeframes (!) (!) (!) (!) .

6. The applicable rate of interest for the refund was determined based on statutory rules, and the court affirmed the interest rate awarded by the authority, which was higher than the contractual rate, considering the circumstances of delay and hardship faced by the purchaser (!) (!) (!) (!) (!) .

7. The filing of a consumer complaint can be considered as a form of termination notice if it leads to the suspension or revocation of the builder’s registration or if it results in a delay that is unreasonable and inordinate. However, procedural compliance with contractual termination clauses is also necessary to invoke the right to refund (!) (!) .

8. The court rejected the builder's argument that the agreement was not properly terminated and held that the delay and deficiency of service justified the purchaser's claim for refund and compensation (!) (!) .

9. The court reaffirmed that unfair contractual terms, especially those that create inequality of bargaining power, are contrary to principles of justice and fairness, and such terms cannot be enforced (!) (!) .

10. The overall decision was to dismiss the appeals and affirm the order directing the builder to refund the amount paid by the purchaser within a specified period, along with interest and compensation, considering the delay and unfair contractual clauses (!) (!) .

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