Re: Please someone help...!!
97k on a diesel? It's only just broken in man!
The engine will be fine to 250k if you keep up with the belt changes. Has the water pump been changed at the same time? Seems to be the belts are ok, it's the waterpump bearings that fail and chucks the belt on the 1.9 JTDs.
Check the receipts for everything, suspension bushes could be on their way out at that mileage if they haven't been done - listen for knocking behind the dash at slow speeds over rough roads & potholes.
Give it some welly from low revs in 5th and 6th, up from 50mph or so and see if the clutch slips.