@Dazzle666 I’m sorry, but you aren’t making much sense. I am often critical about Motability, but that’s about poor vehicle choice and some questionable policies, but from a customer service perspective I have always found them to be extremely helpful if you explain your situation politely and clearly.
If your car is off the road for a prolonged period they will provide you with a hire car, unless your usage is very low and taxi fares would work out cheaper. Either way, they aim to keep you mobile. That’s why you pay them £4,000 a year in benefits plus an Advance Payment. I genuinely wonder if you have explained your situation clearly to them, as there is no way that they would be allowing you to continue driving a car that was unable to pass an MOT. They will never knowingly instruct you to carry on driving a car illegally, which is exactly what you are doing.
You say that you are stuffed big time if you cannot drive. Well you will be stuffed far more if you are caught driving the car. Police traffic cars have ANPR cameras which flag passing cars with no insurance, tax or MOT. There are also DVLA roadside cameras and vans that do the same and you risk receiving a summons, substantial fine and points on your licence. It will get even worse if you have an accident as you may well find that your insurance is invalid.
If you feel that you haven’t got anywhere with Motability, is there a family member or friend who could maybe phone them on your behalf to explain the problem and the fact that you feel that you are being forced to drive the car illegally?