A good service would be a good place to start on the Fiesta, failing that, an Italian tune up might help! I wouldn't trust Halfords to wash my car....
On the Picasso - which engine?
Sadly, my guess is that the cambelt has gone. If it's a 1.6 diesel, early failure is not uncommon on later engines (in my opinion due to them thinning the belt out to 3/4" from the original 1" to improve the economy slightly on test). On the up side, as long as it's an 8V engine (2011 - c2019 when the 1.5 came in) it doesn't usually bend valves, and repair can be effected without removing the head by replacing the belt, camshaft (it has pressed on lobes and they spin), and rockers. Occasionally, they do drop a valve which is head off time....
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