Hmph!
Cycling down to the shops this evening, along a short cobbled street, heard a sound like a tube popping, so pulled up a few yards later, checked tyres, no probs, carried on to shops, when I got to car park and braked, the rear lever had a LOT of give in it and I realised there was almost no braking at the back.
I got off and checked and the pad had disappeared from the cartridge - twas this that I heard dislodging and hitting the street earlier. Turns out the little screw holding the pad in the cartridge must've worked loose and dropped out.
As it was nearly dark I opted not to go looking for a 5mm long screw on a cobbled street, so there's another item for the bike stuff shopping list!
But a timely reminder perhaps to check screws are snugly fitted on these vital bike parts, especially on the greasy winter roads this time of year.
Stu