i live in the country side so the roads are quite bumpy and there are a lot of puddles when it rains, i have noticed that there is a horrible sound when i go through puddles, all i can describe it as is a scraping noise, i thought my wheel had fallen off when it first happened!! could anyone know what this could be?

Has the noise "just" started or was it always there? First check the inner wing guards are still intact and properly attached?