http://www.v8sho.com/SHO/ChainGuideFail ... ti...d=122
"A case in point is grinding noise coming from the timing chain cover area in 2000 to 2003 Ford Crown Victoria and Mercury Grand Marquis with the 4.6L V8. According to Ford Technical Service Bulletin 03-15-7, excessive wear in the timing chain tensioner arms can cause a noisy condition. The tension arm has an aluminum base with a nylon surface. So if you find nylon and/or aluminum particles in the engine oil, it probably means the tensioner, tensioner arms, timing chains and gear set all need to be replaced.
Ford also recommends changing the oil and filter to flush any nylon and aluminum particles from the crankcase. If the timing chain has worn through the tensioner arm into the tensioner piston, remove the oil pan from the engine and clean the debris from the oil pickup tube."The same goes for the Mazda-built 3.0L V6 in the Mercury Villager
Common problem on all makes IF you drive them long enough over their legal life of 100,000 miles.
Part of the cost of vehicle depreciation is the future cost of chain or belt replacements. Why 10 year old $50k cars are only worth 10% of new MSRP! They need $3,000-$8,000 worth of work.