Believe me the fender cracking is just the start of your problems. There is a plate that New Holland welded under the back of the engine right where the brackets for the loader bolt onto the tractor. Of course the brackets are five times stronger than the frame. The plate started cracking before the frame broke at the bolt holes for the loader mounting bracket. Take picture of your tractor where it is cracking and post them onto the site and send them to your dealer and also to New Holland . The frame is NOT heavy (strong) enough to be used with a loader. The point where the loader mounts is the weakiest point of the frame. Even when i moved dirt with my tractor you could feel the tractor twisting has i turned on flate grade with the loader bucket as low as i could with out dragging the bucket on the ground. It still flexed even when going realy slow. After my frame was fixed it still flexes but not like it did before. My fender is cracked and New Holland bought me a fender and the support kit but I have to install it. I have had my tractor back three times because of electrical problems . The gas gauge, back lites and head lites. The dealer mechanic came over to my home to fix the wiring the first time and pried my fender up to fix the gas gauge and back lites. i could not belive my eyes when i saw him do this. Instead of taking it apart and fixing it correctly he pried it upwards to get at the wiring . Keep complaining to your dealer and make it his problem and New Hollands. DO NOT pay anything out of you pocket. Just do your own labor if you can. Ron Madding 815-671-0911