The chain can stretch however if the car isn't abused and is standard car I wouldn't think this is a common problem at all. The chain is cheap to buy around $100 from the US depending in shipping costs. You can split the transfer case on the car and replace any of the worn parts pretty easily.
This mob are good to buy a kit from
http://cobratransmission.com
Also call Wooders Garage they may have the chain in stock.
The CRD does have a different input bearing which can be a challenge to source, but I have a thread on here with some info on that if needed. All other parts are easily sourced from a good bearing shop.
It may also be something other than the chain, I've seen some youtube video where a selector can create some of these noises too.