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Helping a friend

Can anyone help with a problem my mate has over a horse racing bet please?
He placed a 20p combination forecast with Betfred, He had the winner @ 25-1 and the second @ 7-1, the third horse in the combi forecast was a non runner. He assumed that the bet would become a 60p reversed forecast and settled as so due to the non runner from the £1.20p stake. He was expecting around £108 but Betfred paid him around £40 saying the bet is not settled as a reversed forecast with the whole stake.

I can’t be “exact with the returns” because he was telling me the details over the phone as we live about 50 miles apart and my friend was a bit upset. We’re both pensioners and some might think it a trivial amount but to us it’s a nice amount of money. Thanks for reading and would appreciate any advice. If we are wrong and Betfred are right then so be it.
Thanks.
 
What he has is three 20p reverse f/c bets, he has 20p on any of the selections coming 1st or 2nd, therefore he got paid what ever the f/c paid at 20p. As far as I understand
 
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