I am indeed slightly north of France!
Cheers Jeff, much appreciated -- it is indeed a Zetec. Someone with a
bit of mechanic experience had a look yesterday:
Bad news -- labour costs will be high as it's a two-belt system that
is a bit awkward to replace.
Good news -- the Zetec engine cambelt is supposed to be replaced every
80,000 miles not every 40,000 miles so I have only done 1.5 times more
than I should rather than 3 times as much! :-)
Again, thanks for the help