Cloth on ManCandy

I have been pulling my hair out.
It seems like the cloth won’t respect him.
The collision modifier is last,
sometimes it works sometimes the cloth doesn’t.
Is there any tutorial, papers or a website that would help me with cloth on a character?
I’ve been using Blender for 2 years so I’m not new,
however this is something that I can’t get to work for the life of me.

Thanks for reading and the help,