No there does not seem to be a coolant leak, you can normally smell the anti freeze and there is no damp around the passenger footwell. I reckon its got to be the heater matrix at fault, as there was a fair bit of pressure going through it when i flushed it, and the water coming out was nice and clean. Havent had any other problems with the cooling system so reckon the water pump should be ok. Just been looking through the auto trader and a few clios advertised have had the usual clutch/gearbox replaced along with new heater maitrix, so its probably a common fault.
Have looked in Haynes manual, and yes the matrix is a pig of a job, but not too difficult. Ill wait for a dry day next week, and ill have a go at it. I know the dash has to come out, but this isnt too bad as I have done this before to cure some annoying rattles!
Ill post next week and let you know how I get on. So long as I mark all wiring looms etc with different coloured tape it should be ok putting everything back together. Ive looked around, and have found a new matrix for 40 quid, so its not an expensive job. Thanks for all replies, ill let you know how long it takes.