I had something simliar to my CRD patriot: one week before the new owner picked it up after selling it, the turbo became noisy and a little smoky. I was lucky enough to have jeep australia replace my turbo and manifold (it is one-piece cast into the turbo housing)
Basically, as soon as the turbo become noisy or gives any sign of dying you should get it checked out as if left too long (which it seems happened to yours) it could lead to expensive repairs.
Good luck and i hope its only the turbo/manifold needing replacing
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