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Visa refusal - urgent

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    Hi everyone, I've been trying to get a UK visa for Uni the past couple of months and have so far been refused twice.
    First, my step-father had provided the money evidence but our connection was doubted, so my visa was refused.
    Second, my mother had provided her saving accounts for proof of money, but apparently 6/8 of the accounts have already been used for another UK tier 4 visa. This makes little sense considering that I'm the only child and the money was actually saved for my the 2nd/3rd year of uni.
    Should I appeal the second decision, or is it too late? Will it take too long?
 
 
 
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