2000 Contour Timing Off

2000 Contour 126,000 miles Check engine light indicated "variable cam timing over retared, bank 1" Car ran OK until shut off, not won't restart and timing acts as if its way
off? Any thoughts?
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This thing has a timing belt or chain. Could have jumped time. Replace belt\chain and set timing marks where they should be.

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vct probably junk, changed oil on time ???????

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