Fraudulent Finance Deals

We werer applying for finance to purchase a pre-owned vehicle and the dealership does not do their own financing so they put is in touch with brokers. initially the ABSA broker said that they were going to find the most competitive rate etc. The next moment we were told they are sending us an E-Contract to review, upon receipt we realized that something wasn't adding up.. The car purchase price was R140 000.00 but the loan application was for R166 000.00 - so we asked for a breakdown and then got the breakdown from ICB Auto Sales and Finance - but they have added, service & delivery - R5900.00, reg & license R4500.00 & VAT R20 000.00 - when i asked about the price and why they have added VAT again as the VAT was already in cluded, i was told i dont understand the calculations... i then also queried why we should be pay for service & delivery, if we are collecting car and the vehicle was serviced by an original dealer 2000km back and the dealership has also done minor corrections on the vehicle (exterior), she couldnt answer and then said she will send the NEW breakdown as they also had a tracker & warrantee included.... the new breakdown was now R160 000.00 (at this stage our monhtly installment would be 12.5% linked rate - R3470.16) as the amount was for the licens & reg was now R2500.00 and the service & delivery i was told is for legal fees and for drawing up the contract as ABSA does not have an option for admin charges... this was now also brought down to R4500.00. I then told her my insurance does not require a tracker and that it should be removed and she should resend the breakdown and now the loan amount is R159999.00 (at this stage our monhtly installment would be 12.5% linked rate - R3553.16 ) - more than with the tracker and the tracker value was R1.... so finally i asked her for the quotation as i am unhappy and enquired why they have added VAT and that i will report it if i find out this is a fraudulent transaction.... so needless to say... not a word further from them. My fear is that if we didnt look at the contract, they would have scored R20 000.00 on the VAT and how many others don't they cheat on this system.