Seconded - of the two, heater matrix would be strong favourite. Check thoroughly for damp around it and the carpets underneath.
other possibility is radiator failure, allowing coolant into the oil cooler section of the rad (assuming yours has the oil cooler at the right hand end of the radiator arrangement) - check the oil level and that the oil is clear and transparent, i.e. not starting to go cloudy. Having said that, if this is the problem it's more usual to get oil in the coolant, not the other way around. My money's on the matrix.
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