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mops2311 need help

my son has a loan with welcome finance i have never borrowed money so need help advising him. because he has missed a payment now and then they have added charges on to the loan. also he has an overdraft with barclay for 850 but most months goes over this so when wages paid in the bank and welcome and car insurance is paid its all gone so goes over again so more charges. what should he do. can he claim bank charges and ppi and how does he do this. in simple terms please.

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