Lets look at this from another angle, The garage obviously had to make a call and went with what they thought was the most realistic option.
Alternatively you could always ask them to take the new pipe off, put the old one back on, leave the car where it was when it fell off and let you sort out your own MOT!
Ask for a breakdown of the costs, that will go someway in identifying if they have overcharged you.
You say you cant afford to pay the bill, this begs the question what would have happened if they had managed to contact you prior to replacing the pipe?
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