vermin, depending on how low the brakes are, then the squealer tab may or may not be in constant contact with the rotor. but, if the pads are worn down so far that the tab IS in constant contact, then you would have experienced a period of intermittent squealing whenever you applied the brakes.
I suspect the cv-joint (no u-joints on your car) because you said it is affect by steering. if I am correct, then DONT drive that car any more until the problem is fixed. if the cv joint shatters at highway speed, you could have a very serious accident. I had one lock up on me at 45 and it almost pulled the damn car off the road.
jack up the car, but dont loosen the lugnuts yet. gab the tire at the top and bottom and try to wiggle it. if there is any play, the bearing needs replacing. now put the car back down and loosen the lugnuts. jack it back up and pull the wheel in question off. inspect the brake pads, both inner and outer, just to be sure. then inspect cv drive shaft. look particularly at the area of the outer rubber boot. if it is torn at all, or if you notice grease on it (not oil, grease - its usually a blue green color, but not necessarily) then the boot at least needs replacement. have the shaft pulled and the boot taken off. a qualified mechanic can inspect the joint (once the grease is cleaned off) and decide if it needs replacing. judging from what you've said, I say it needs a new one.
now, this is work that can be done at home if you have the know-how and right tools. if you are going to attempt it, get a Chilton's or Haynes manual from a local auto parts store and read it carefully before attempting.
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