Car loan, apr etc HELP needed asap :D

qob

ok some lorry drove into my car and wrote it off, it was my mums car so she's going to get the money for it. ive been to look into getting a 2nd hand car from a proper dealer, now when it came to finance info the credit people said i wasnt found at my address or my previous address even though i get postal voting things sent to me etc so why arent i on the electoral role??

anyway they said a sub-finance company would do it but with an APR of 22% !!!!!!!!!!!!! thats more than i had when i STUPIDLY went to yes car credit (19.9%) so in all i will be paying an extra £3500 ontop of the price for the car. i only paid an extra 2000 with yes car credit. what do i do?? i need a car but is this money and apr TOO ridiculous?? i dont understand either cos ive just been given a mortgage so why arent i on the electoral role????? i need to make the decision in like 1 hour so help PLEASE

pennypinching_2

Dont touch these car finance companies with a barge pole!