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over the last few months, my brakes have been grinding quite badly. It sounds like its coming from the rear... but the discs and pads have only done 4k miles.
run your fingernail across the disc surface and feel for any ridges or ruts in the disc, its quite common to have a stone or something small trapped between the pads and the disc and it can grind into the disc making an un nerving sound! either take them off to get them out or simply wait until it grinds itself to death!