What's the procedure in terms of getting your money back?
If you can prove a substantial violation, you have the right to rescind (cancel your mortgage loan).
But of course, you have to go to filing a case in the Housing and Land Use Regulatory Board (HLURB). You have to prove your case by stating that there's actually a ground to cause the cancellation of contract such as the substantive violation of the contract of sale.
In getting the refund that the developer refuses to give to you, you can file a case to the HLURB or to the court. You can also file an administrative case in the HLURB.
If you have any problems related to this, you may post your concerns or problems in the comment below.