Turbos like all mechanical things can simply wear out when they reach the end of their service life.
However I would have thought that unlikely for most TD4s. Premature failure is mostly caused by some sort of oil stavation, a metallurgical failure of the turbine or a physical failure caused by sucking in something.
You indicate there is an oil issue and some noise - but what makes you think the turbo has actually failed?
Garry


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