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i'm trying to create a skin and i've packed it from a .tga to the specific game file and it shows in game but it's just a grey skin, any help? I've posted in the mxbikes discord but nobodies helping

Hey lads so I've had this game for about a week now and I'm having an absolute blast playing it, but the game is now using up to 16gb of RAM for some reason, it might only happen when I play online I'm not entirely sure but it crashes my game, Discord, and other programs as well after playing for about 10 or so minutes. Anyone else have this issue? I'll try to attach an image of how much it uses in a bit. Cheers.