Hi Jim,
welcome to the forum - does the car have a service history? It sounds very much like mine - which didn't - so I changed the cam belt and tensioners ASAP (they should be done every 40k or 4 years, whichever comes sooner). However I reckon the ones that were on there weren't the originals - but at least now I know it's definitely been done - and set up right.
Note that Vx have a target time to do the job in, so the timing won't necessarily be spot-on. At least one of the moderators on here had a flat spot (at 2 or 3k RPM) from when the belt and tensioners were done by Vx, apparently when they replaced them later (instead of Vx) a cam was found to be one tooth out - the replacement was fitted and timed up correctly and the flat spot disappeared ...
Independents will probably charge about £250-ish to do the job, might be worth getting the water pump done too (about another £30).