Numbers with dots - how to read?

In the US, we say "Three point five million," and "two point seven million."
Depending on the company you keep, you might also hear "Three-and-a-half million," but "two-and-seven-tenths million" is extremely unlikely.

Thank you very much, what about the train?

Sorry about that. I just finished answering it when you posted. I was on Edit, so it got Zapped. I'll try again.

Trains are often named for their scheduled departure time, so we'd say, "on the twelve-twenty," or if our listener is unfamiliar with the schedule, "on the twelve-twenty [train] to Wellington.
"Wellington being British, you might find some differences in the customs.

Sorry about the delay. I didn't see the second question originally, and posted the first. I knew I had time left f

Thank you very much Avangi for your clarification.