It is a chain mate - they told me over the phone and as I’m not knowledgable on these issues I remembered the word belt, rather than chain.
I spoke to the mechanic who tells me minimum of £1500 rising to 3k potentially if the valves have bent. Absolutely can’t believe it.
Painful! Sorry to hear that.
Timing belts / chains always worry me. My car has a belt rather than a chain, and when I bought it as a private sale I took a mechanic friend along. He was right on the belt issue and told me that unless they can show proof that it has been changed recently I should definitely get it changed myself as a precaution if I bought the car. I did purchase the car and he did the belt for me straight away. I'd recommend anyone buying a used car with a timing belt to do the same unless you know for sure it's been changed recently. It's simply not worth taking the risk when you consider that if it breaks it can potentially wreck your engine and write your car off.
You know the score with a belt, but a chain is supposed to last for the lifetime of the vehicle I believe. So, extremely frustrating if it does go on you. If my next car has a chain on it then it will definitely be something I would get checked over from time to time to see if it has stretched. A friend of mine has a Mini Cooper and I know she gets her timing chain checked by someone who knows what he's doing from time to time.
I hope you get it all sorted, mate.
EDIT:
I've just been reading about timing chains and it appears they are certainly not immune from potential issues, particularly in higher mileage vehicles. Apparently, the timing chain is inside the engine because it needs lubricating by the engine oil. Timing
belts being
outside the engine. Lack of oil changes, low oil levels or poor quality oils can all contribute to timing chain wear and tear. With a used car it's often difficult to know just how well or badly it has been treated in the past. From what I've just read, to help avoid timing chain issues it is recommended that oil is changed regularly, and top quality oils and filters are used. Also, keeping the correct oil levels will make sure the chain is always correctly lubricated. This article suggests that in a well maintained engine, a timing chain could last 300,000 miles or even longer.
The thing is, who knows if previous keepers have only bothered changing the oil once it turns to sludge and then only with stuff they bought from Poundland?
I don't suppose the second-hand dealer knows this either, unless the car came with wads of service history and times and dates of all work carried out. They may spruce the car up before sale, give it a service etc, but they probably won't know how the car was treated by Joe Bloggs who owned it a few years previously.