Fraud by bank and builder in loan disbursment

I book a flat in a project which was approved by bank and i signed all the documents but bank didn't disburse the loan amount to builder, they had taken some authority letter from builder and adjust all the money without informing me from his past dues with that bank (it means builder already was a defaulter and his approx five loan account stays with bank as NPA). My question isn't it will be a breach of trust because intentially bank hide builder's NPA and default to recover the money from his and bank simply transfer the liability of money from builder to my own head.