Add punctuation: 18 And called and asked whether Simon who was surnamed Peter lodged there
A: 18 And called, and asked whether Simon, who was surnamed Peter, lodged there.

Add punctuation: According to Visa cardnotpresent CNP fraud where transactions are conducted over the phone or online now represents 78 percent of total card fraud in Australia
A: According to Visa, card-not-present (CNP) fraud, where transactions are conducted over the phone or online, now represents 78 percent of total card fraud in Australia.

Add punctuation: Hi my name is SweetDelight and I am 20 years
A:
Hi, my name is SweetDelight and I am 20 years.