Interesting thing is that it seems to be just the fan that has failed. (bearing feels screwed) Trust me it was a wonderful noise when it happened!

Seeing as something has actually broke and its not unstable (because other than that the card works fine.) im going to try and RMA it to XFX (2 year warranty) but i aint getting my hopes up as GTX 260's are in fairly short supply.
could be an excuse to upgrade mine you.... hmm.
