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It's not actually that common. The only reason you read about it so much, is that no one posts on the forum saying "Cambelt hasn't snapped today"
Common misconception with forums. People only ever ask for help when something goes wrong, for every problem, theres a thousand people who haven't...
With respect, it's all well and good saying it "could be this" and "could be that" but no one will know without seeing the car.
You're best off getting it to some one who knows, not the mechanic who told you flood water has stripped the grease off the pulleys. They're all on bearings.
In all seriousness, I doubt it will be this.
First off would be to see whether the whine is related to engine speed or the drivetrain speed. Does the whine occur when the engine is revved, or when the wheels are turning.
They were developed on my car, and there's no scrubbing here.
the car was on superleggeras without spacers when it went down, with a higher offset than the standard wheels, so I can't see why there should be any scrubbing at all?
Just out of curiosity, the person who told you this little nugget, are they a particularly good friend? Because it sounds like they're trying to kill you.
Despite being turbocharged I personally don't see any difference in power or economy, between running 95 and 97 octane, so I stick with 95. Cheaper and more available.
I'm not denying that it doesn't make a difference, but only on an engine that produces enough compression to cause premature detonation on lower octane fuel. A 2 litre Clio is not that special.
Those wheels have never seen a 172. No idea what they are.
Those rear lights are horrible, and the standard ones that you're car came with would look good.
You'll know if the bulb goes, because they turn pink.
My money is on the starter.
I also bet that it hasn't broken. Take it to bits, dry it out and plug it all back together again, making sure the plug on the end of the green wiring is pushed right the way onto the starter.