The Ko-Kard Service is getting worse and worse. Originally it took 3-5 days to clear funds, then 5-7, then 10 days but now 15 days and counting. I sent 5 payments on 8th December 2014, 2 were paid out on 23rd December (ie 15 calendar days delay), but the 3 larger payments are still not paid out (25th December 2014 - 17 days and counting). No response at all from online enquiry. Needless to say the charge on my credit card was made promptly enough - minutes after I submitted the payments. I am wondering if the organisation is either having cash flow problems (waiting for new payments to come in to pay out earlier ones) or there is an interest-bearing account the money is being siphoned to for 2 or so weeks. Otherwise its hard to explain how this service can have become so slow.