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Maruti / emi of car before delivery

1 India

I have booked a Maruti Swift on May 17th 2007. The dealer with whom i booked is Vitesse. They said the delivery of the car will take 3-4 weeks when i booked the car.

It has been 8 weeks now and Vitesse is only postponing the date of delivery each time i call them.
Unfortunately my EMI has started on July 01 2007. The bank is Citibank who has provided the loan. I want to take this matter up very seriously but i don't know who is to be blamed here. Is it Maruti??? Vitesse??? or Citibank???

Even in house loans, the bank does not start the EMI till the possession of the house has been given by the builder. Then why is it that my EMI has been taken even without any signs of the car???

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