On my bike today I noticed the shifting seemed a little jumpy plus the big ring to small ring transition is off a little. When I got home from my group ride this morning I shifted to the small ring and the chain went to the left of it and wrapped around the bottom bracket area. My chain stay close to the bottom bracket is getting torn up, this has happened twice now. Its a new bike so is cable stretch most likely to blame? Or do the upper/lower limits on the derailleur have something to do with it? If I buy a chain stay protector will it go that far? Ive always seen them centered midway along the chain stay? Any help?