Ford Mondeo 2010 (60) zetec 163 - Ford mondeo 2.0 diesel 2010 rattle when cold - mondeo man 2.2

Hi, I have a tinkling/rattle from my engine when cold and under load at 1200 - 2000 rpm.No noise when warm or when under no load (cold). 50k on clock. car missed 1st service but was done at 15k,so I'm hoping no damage done!.

Any idea's much apprechiated.