Ok, just to stop me worrying - I just started getting a metallic rattle from the front near side wheel when driving. It sounds like a stone rattling against the brake disc - possibly against the heat shield? I can't see anything obviously caught, although not had the chance to remove the wheel and look closer. I'm hoping it will work it's way loose and go. From memory when the pads wear down you get more of a continuous squeal from the wear indicators rather than a rattling? But in the meantime does anyone know if this is a likely cause? Has anyone else had anything similar?