Hi & welcome to the forum.
When seeking assistance it is a great benefit to the rest of the forum if you could post the actual model number which is displayed on the ID tag.
Usuallt it will be under the seat on the frame ; on the left side frame rail under the foot board or some times on the back under the fender .
This helps us greatly as we can then zero in on the exact same mower as many models ran for a long time with a lot of variations.
Also as this is an old used mower there is no guarantee that how you found it is how it should be.
We did not get this model down here so I have no access to the IPL other than from one of the on line parts retailers which can be a little problematic.
So for starters is this the deck that you have
https://www.jackssmallengines.com/j...mower/yth-2548-b-954571984-2004-06/mower-deck ?
IF so then again it gets rid of ambiguity if you use the reference number from the diagram so we are all talking about the same thing.
The only time I have seen one of these decks cause the belts to foul bad enough the wreck them in no time flat was when one came in with the spindles mounted on top of the deck, not under it.
What looks right is to have the flange sitting on top of the deck with the bolts just holding it in position not the flange under the deck where all of the weight appears to be on the flange and I have seen this done on more than one occasion.
You mention "Spacer " by which I assume you are talking about # 31 and not # 16.
Part # 31 is essential as it gives running clearance between the bottom of the spindle pulley & the top bearing.
Also note that all 3 spindle pulleys need to be in the same plane so if one goes then all 3 must go and then there is the height of the idler pulleys to be considered.
Is the sway bar # 6 still there , they hae a habit of falling off then being left off , Also check that the mounting plate # 3 is still bolted securely to the frame by both bolts.
If not it can allow the deck to shift under load enough for belt contact tho be made .
And as previously mentioned make sure that the 2 PTO idlers are in good condition, in particular the tensioning pulleys as the arms # 43 & # 146 wear under the pivot washers # 42.
This allows the arm to lift and the belt to run higher than it should.
Also check that they the correct pulleys . Some are stupid prices so cheapskate owners find a cheaper one that is "almost the same."
These pulleys have stand off bushes through the center and the same size pulley might be supplied with a dozen or more different height stand offs which will also alter the running height of the belt and a different diameter belt will alter the actual belt run.