Cheers dude. I've never done anything with brakes before, so I'll have a look and if I decide I'm a wimp I'll have it over to my local indie man
I assume it's a sticking brake, the only thing that makes me think it is that sometimes my wheel gets rather hot after a journey.
Also, when pressing on brake or applying the handbrake, should you see much movement in the pads? I couldn't see any either side. Should there be much air gap between the pad and disc?