They are prone to making some noise !!
Take your oil filler cap off whilst engine is running and you'll crap yourself !!!!
Check for codes such as camshaft timing error which may suggest chain has stretched past specs or tensioner has reached limits
Has the oil been changed ??
If none of these are an issue then I'd suggest it's just normal for a car that's 10 - 15 years old !!!
lots of money to fix ....