Punctuation Marks and Etc. of the English Language

GolamMostafa:
If you don't have some kind of rules, then things can be a bit difficult to follow; and, it becomes harder to communicate; also, I have always thought (that) the English in England was a bit hard to understand.

In my opinion this is too much of punctuation. Or am I wrong and it is correct? Can somebody with native English and good knowledge of grammar, write it correctly?
P.S.: I'm native Slovak. Our language has very complicated grammar rules, much more than English. We are using comma frequently, semicolon less. The sentence above uses both in rate, which would be in Slovak language criteria simply "too much". I am suspicious that it is not correct.