I have now found out what happened to my brakes and prevented me from attending the Marlow meeting. I have managed to wear my front pads from 60% wear to 100% wear in 7,000 miles. Possibly the way I drive, and that I spend a lot of times on "B" roads including the Peak District.
The problem is they just broke with a total brake fade for one depression of the brake pedal, then recovered with a second press of the pedal and then a horrible grinding noise. Reason for the fade is suspected boiling of the brake fluid. I could have had an accident, but fortunately I was only doing 20 MPH.
What I have discovered is that the warning light is only attached to a sensor on one pad. So if the other one wears more then there is no warning light on the dash. It is costing me £230 for new pads and discs as the warranty won't cover it, this is as well as the total inconvenience.
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I will be checking my pads more often in future !
Paul