Cef, you are a mine of information!
As you know, we are going through similar agonies to Savoyboy, but with DeskaGlobal, not Manzara. I have just been informed by our lawyer that we do not have our habitation certificate because Deska does not have the money to pay. We do not know how much this will be. Looks like we'll have to get together with the owners of the 5 other villas built by Deska at the same time as ours and pay up - we'll have to get their contact details from the Tapu office presumably - none of them live in Turkey and 3 owners are Russian and don't speak a word of English.
The document re getting a Habitation Certificate is daunting! Don't think we could get all that documentation ourselves even with a Turkish translator - we'll need to do it through a solicitor and by the look of it, some will only be available from the builder and other offices.
We'll find out tomorrow what loans Deska has taken out against our Tapu, how much money they owe to SGK and which documents are wanted by Belediye - a never ending nightmare. To get our Tapu and habitation certificate, we must pay their debts!!! (if we can afford it).
Like Savoyboy, we have been led up the garden path and shamelessly lied to time after time.