Right guys , please bear in mind that I am a furniture maker and know next to nothing about mechanics . So I have a 4l xj that has done 140k, just sailed through its mot , love them to bits , but this one has started to get a bit noisy . When it is started up from cold , it sounds very clackety until it has run for about 5 minutes then the noise disappears. When it is fully warmed up and under a bit of a load , ie. under accelleration or towing , it sounds very loud , sort of a faulty exhaustl, but the mechanic I use has said the engine is on the way out .( no idea what he meant ).If the noise was there all the time ,I could understand that the exhaust was gone but its only there when the engine is having to work a bit hard. Is it time to trade for something else , given that it has 12 months mot , or does anyone have any bright ideas what it may be, therefore what it may take to fix it. Sorry for being a bit vague , but any feedback would be apprerciated. BTW the mechanic has had the truck up the ramp and chacked the exhaust --says it's ok !!