Never had one come loose but at a trackday about 10 years ago I had a costly filter related issue.
The evening before I did the usual pre-event spanner and levels check so I am 100% certain the filter was tight. But during the morning I got the oil pressure light on at the end of a strait (probably pulling 6500 in 4th) so I shut the engine down immediately. The oil pressure light switch is adjustable and its set at 20 psi so I hoped it had not run the bearings dry.
Back in the paddock the area around the filter was covered in oil so I immediately presumed the filter was loose but it was still tight. But then I spotted that the O ring was sticking out of one side and that is where the oil had escaped.
Removed the filter and refitted the O ring but the grove the O ring sits in was only a mm or so deep instead of the usual depth you normally see. Refitted the filter and noticed that instead of the usual mm or so of O ring visible a good 5mm of O ring was visible. This was a Ford 2 litre Zetec with a genuine Ford oil filter. Refilled with oil and started engine, all OK but decided not to venture out again. probably would not have been welcome, I had left a major slick on the track.
Drove home and the oil pressure was brilliant, better than normal but eventually the engine started to sound a bit noisy and by the time I got home I knew it would have to come out.
Before I started any work I checked a new Ford oil filter I had on the shelf and it was exactly the same, virtually nothing to retain the O ring.
Stripped the engine and it had run no's 2 and 3 big end bearings and blued the crank. Simple enough fix but whilst apart I checked the oil pump in particular the pressure relief valve and it was partly stuck. So engine was rebuilt with a good used genuine Ford pump I had and after the crand was ground and new bearings fitted all was OK.
Did I use a genuine Ford filter, no way. Went to Halfords to check their filters and guess what, the O ring is well retained. When fitted there is sod all O ring vissible, there is no way it could be pushed out even if the engine over pressurised. Never used a Ford filter since. Went on the intenet and discovered I was not the first person that this had happened to.
Use a different Zetec now but still don't use Ford filters. Mahle are a much better fit in my chassis and have a deep recess for the O ring.
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