Fraud in Vehicle Finance applications

My Name is Hlayisani Mabasa, I was referred to Mzikayise Greyham Hamilton Skosana for him to assist me in buying a car, I’ve followed all procedures in place that is needed in making an enquiry to buy a car, I did send to him all documentations as per the agreement and sign a declaring or rather an Application form of which all my attempt to be approved has been declined due to the credit payment history. Mr Skosana at first introduced to me a way of uplifting/ Tampering with the credit scoring for banks to approve the finance application which I believe is against the credit law set by NCR for clients to qualify on merit, Most of the client’s he assisted he charged them an amount of R3000.00 for him to Tamper with the credit scoring in order for clients to qualify which I classify it as fraudulent, During the process he advised me to stop making enquiries because my score will go back to its origin, which proves to me that there is a fraudulent activity behind the approval, He demanded a deposit, I paid Mzikayise Greyham Skosana an amount of R1500.00 to his FNB account for him to start assisting me, knowing that I am committing fraud little did I know that I am also being scammed, he works under his registered company called isqobo esbomvu group with Registration number K2019610303, He works with Various dealerships including xclusive cars and Auto deal of which they are not aware of the fraud he does to have cars sold I have all the evidence of the transaction that happened between me and him as I believe based on the NCR law, all clients need to be subjected to a proper affordability and vetted in to any credit application To me this has been a wake-up call not to commit fraud to have my application to be approved, All dealers and clients who he assisted paid him to have their credit scoring tampered, which means lenders borrowed money to clients who are over committed, being declined by the bank is not bad luck, but Affordability.