conundrum

I have a 1999 V5 Toledo which is having problems with damp. I know this is a subject that's been on here before but I've heard two contrasting views from two different garages aboutt the floor. One garage has said that although there is a seat bar that actually if the door in the front leaks...

I had two new front tyres fitted on Wednesday. During the drive home, I heard a sudden clatter as something (I presumed a stone) rattled up around one of the wheel arches. I thought nothing of it at the time and continued my drive home (along horribly congested roads, so didn't get any speed...