If you go through the agreement carefully, you should come to a clause which states that the developer's obligations in respect of the construction is to ensure that the trucking, piping etc is ready for connection. if the wiring/trunking/piping leading to your parcel is completed then the developer's obligation is fulfilled.

Obviously without the water meter installed at the main pipes, there will be no water supply.

Have you signed the letter in which states that you have inspected everything and has duly taken vacant possession of the parcel? If so then you may have a bit of problem trying to dispute now. What you should do is to NOT sign that letter and write a formal complaint to the developer and put in record then it is a straight forward claim for late delivery interest.

Then again, you can try writing to the developer stating your claims and see what they reply.

Threaten them that you will escalate the matter to the housing development ministry if they decided to pull your leg.

Keep us updated.

Normal practices by developers/contractors.

When I took vacant possession of my parcel few years back, the management tapped the electricity from the main board so that my renovation contractors can start renovating my parcel. There was no individual electricity meter installed too but I confirmed with TNB at that time that they were short of supplies but I couldn't be bothered since I not staying in yet and I need not pay for the electricity used by the renovation contractors XD

Water supply though, it was running fine.

Depending on how dire your situation is. If you are already staying in and you do not have electricity or water supply then it is bad but if you do have such supplies but you are just bothered because you do not have individual meters then I would suggest you enjoy while you can.

Usually for stratafied properties, the meters are located in a locked compartment on each floor. Only the management has access to them. TNB meter readers will get the master key from the management.

Go and request from your management if you seek to gain access into these compartments.