I have a 2004 XC90 with only 25k on it. My left front wheel recently started to moan when i engage the brake at 5-10mph at lights and such. it used to happen about three years ago and after many visits and screeching noises they finall fixed it. it started up againg about 6 weeks ago. my warranty also just expired and the service guy at Volvo yold me i need to change out all my pads and rotors front and back. i did change the pads about a couple of years ago. he says the whole thing will cost me $1800. is that a rip-off or am i just experiencing life with an expensive european car? thanks.