Error on my Mavica FD75 Disk Error 13:31

Would like to have help on my Sony Mavica FD75. Getting a disk error 13:01 and have made sure I have a formated disk 144m. I have new battery. If any one knows whats going on please contact me.
I have a Mavica FD85 with the error message format error C:13:01 Does it still need a new hard drive? I had one shop tell me that but they said it would be $ 100 plus 8-10 weeks to repair. That seems a little excessive with the price of newer cameras today. Any other suggestions or should I just get a new camera. Thanks HowardSgtOF@aol.com