You should read carefully readme files for every fantasy cars. It is very likely that fantasy cars are using some well known custom carshapes from some 2003 single cars packages. Eric's and Duco's Jordan and BAR are very popular these days because they have texture tempaltes included.
It usually works like this: you must install this 2003 car first, and then overwrite it's textures with new fantasy car's textures.
Example, Holden uses Eric's BAR.
Every car (team) has diferent texture layout, and you can't mix them. You can't use Ferrari's texture for Jaguar shape, even if you rename them.
I'm not sure what happens with Holden-to-Arrows; first you must rename all shapes for Arrows slot. I think name should be car_1_arrows_lod_X.gp4, or something like that. I'm not sure what happens then, but I think it still wants BAR textures. There are two ways how to fix that:
1-using hexeditor - never tried, very complicated for average user, in theory you change the required texture name which shape is searching for. If you would like to try it anyway, go on GPxCarpainting (link down) and there's a hexeditor FAQ somewhere, made by Max Downforce
2-using Zmodeler and material editor. Just rename bar textures to arrows names, and reload them in material editor. If you did it right, you should see it in 3d window.
*if carshape is locked, and it can't be opened with Zmodeler, use GP4genius to open it and then resave it. Now you should be able to import it in Zmodeler*
Of course, this is just the info, in reality is a little bit more complicated than that.
Now, if you succesfuly did all that, there's another problem. Helmet position is fixed for each team slot, and if you change the shape, it's very likely that helmet won't be where it should be.
Arm colors, t-cam view and rim colors are also fixed for each team, but it's all solved now and it should be editable with some upcoming editors.
TGA files are editable as they are in all better paint programs. GP4 uses textures in *.tex file format, and it's easily converted to *.tga and viceversa with GP4master and other tex-editors.
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Bojan Tarticchio