I might have found a card, but don't know about the game problem... might be your Windows in some way, and maybe the version you are running.
The ATI Radeon 9600, is a good card for people on a budget I think. Its a mid range card, so would run new games, and the price has been pushed down by newer cards
Look at this for an example:
There are many versions of the card, yet on a budget, the PRO wouldn't be bad, and if you have a bit more, the XT! Even the original version wouldn't be bad for a person who wouldn't play new games all that much at high settings/resolutions. So teh price range would be, £70 to £100 depending on the version
Hope I've Helped