I have an 'R' Reg Ford Ka, which as of last night seems to have developed what could potentially be a major and expensive problem. On starting the car it vibrates and sounds very loud. I seem to have a large amount of white smoke coming out of the exhaust when driving, she judders in the lower gears but seems to be quite happy if a little loud at about 60-70mph. I have checked the oil filler cap and there doesn't sem to be any 'mayo' or sludge although there is a crust of oil on the rocker cover and one of the spark plugs/leads is damaged. Can anyone help as I am taking it to a garage but as a single woman I don't want my eyes ripped out

Any help would be greatly appreciated