I'd be inclined to whip the wheel off if it hasn't already been done for peace of mind, that level of wear should be associated with a noisy or grinding/rumbling bearing, it's slightly possible the hub nut has somehow come loose and is slowly unscrewing itself, it could happen especially on the nearside assuming its RH thread as the wheel rotates.
The MOT tester will not have removed the wheel to check this unless you asked the garage for a diagnosis after the test.
Its entirely possible that the hub/bearing is one unit, so easy enough to replace but mayeb more expensive than a bearing which would then have to be pressed out and in, swings and roundabouts, OE will probably be expensive, worth checking the usual online sites for alternatives.
Edited by gordonbennet on 18/09/2016 at 08:13
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