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My brothers in trouble with his credit card

Hey guys hope you can help, my brother recieved this letter from Halifax last week. Its regarding a credit card

Arrears amount £1,376.82
Outstanding balance £3,812.85
Arranged payment £0.00
Frequency
Start date 0000

Dear Sir/Madam

The arrangement that was agreed as a concession has now expired.

The repay the arrear outstanding immediately.

Then goes onto say if you need help phone.

what i dont get is that the cc max amount was £1,200.

1) How has it got his high

2)Whats the best course of action

He has just had a kid and i struggling financially at the mo.

Hope you can help
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