Thanks, Quackers, really informative. We would like to have the online address, too.
Re water and electricity bills: we and our renters have been using the villa over the past year (the villa still being in the builders name) so presumably we have to pay these bills. Under these circumstances, I'm not sure what you mean when you say "the builder should pay his last bill". Electricity is expensive - e.g. Jan, Feb, March totals £92, Apr, May, June, July £103, Aug alone £79 (high due to aircon and pool, no doubt). We have not yet paid these bills, but expect to do so when we come next week.