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I have 18k mi on T&C, brakes started grinding; dealership is replacing pads for $199. (1)is this normal wear for brakes? (2) had the van in for service 4 weeks ago and asked for brake check before going on vacation, no problem found, shouldn't they have found a problem before metal on metal? (3) Easy Care policy states they do not cover pads if they fail due to lack of maintenance...I have kept up maintenance, they missed it. Any answers for me?