I bought a used Vauxhall Insignia Sports Tourer (2011 model) with 53k on clock in December 2015. For six months, I took the car back every month with brake concerns over a judder. That was until the summer when two new tyres seemed to fix the problem.

Now we are being told that the brake discs are lipped and pads worn 90 per cent. I was previously told that the pads were replaced at 40,000 miles and we will have to foot the bill. Is the garage trying to fob us off?