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The winding spring breaks or comes loose from its mount. Sometimes you can disassemble the cover over the belt retractor and see what the problem is, such as a small rock or dirt holding up the mechanism. They can also just get worn out and must be replaced. The seatbelt may also get twisted inside the retractor and muck it up. While you are in there, clean and freshen the grease points.

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Q: How can an Oldsmobile Intrigue seat belt retractor go bad?
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