My 1997 punto 75 elx 121,000 miles experienced significant water loss. Symptoms included rising temps, failure of fan to kick in, failure of heater.. No evidence of cylinder head gasket failure ( difficult starting, excessive water pouring through exhaust, creamy mixture on oil filler cap, water droplets on dip stick etc.) Main dealer convinced it was a cylinder head gasket. I did not agree. Bought and fitted new thermostat for fan, topped up radiator and continued to drive. As the weather grew colder water loss diminished. I was able to deduce that water loss was through failure of seals in water pump that failed when air and water temperatures were very high. I ran the engine to high tempertaure and sure enough, water began to leak from the water pump. Replaced water pump and fitted new belt for £ 60. No more water loss.