Our funds were received by transfer time but not sent on 31/12/2014. Our Spanish bank was open. No Pop arrived which we pay £20 for. We had no funds so cancelled our new yr booking we have to pay 50 euro cancellation fee. Phoned at 4PM offices closed. Plus the rate was showing 1.29 we were offered 1.2560 then 1.26. We note when James Spurway is not available things go wrong. We have been with Foremost for 7 years and this is the 2nd time this has happened both times when James was away. We are not only angry & disappointed as pensioners we are out of pocket & have struggled since Wednesday all down to Foremost. Janet & Graham Hedditch JAS3838