Advice Needed Re: Car Finace (Bank of Scotland)

I recently (31/12/2007) purchased a car on finance from a Ford dealership. With the part exchange, I needed another £3158.93. The salesperson did some calculations and said the repayments would be around £121 a month for 36 months, which was fine.
He had me sign some paperwork for the finance which I glanced through, I do not remember seeing any figures or apr's quoted anywhere. He hands me the keys and says the paperwork will be sent through the post in the next 2 weeks.
Yesterday I receive the finance agreement from the Bank of Scotland. Not only is the interest quoted at 31.2% in one section, and then 24.3% pa in another, but they have added an acceptance fee (£165) and a credit facility fee (£125) and an option fee! (£10). This brings the total repayable to £1,484.47. If I had known this at the time I would have gone with my bank as that would have been the cheaper option!
I have also noticed the signature on the paperwork is nothing like mine and I have not seen the page it is on before.

I know I was very silly not to get a written quotation first but is there anything I can do to get out of this? I thought most things you get a '14-day cooling-off period' but there is a section called 'Cancellation Rights' that reads: "You do not have the right to cancel this agreement under the Consumer Credit Act 1974 or the Timeshare Act 1992. In addition, you will not have any right to cancel under the Financial Services (Distance Marketing) Regulations 2004 unless we tell you otherwise in writing."

I haven't contacted them yet as their office's aren't open till Monday, any help or advice would be greatly appreciated.

Thanks!