Have you seen
this thread?
Properly lubricated (this isn't done on new cars in the factory, and likely isn't done by dealers doing a strip & clean, or pad replacement), the 500/Panda brakes will give many thousands of miles of trouble free service.
If assembled dry and used in the UK, one decent winter will quite likely ruin them.
The forum is littered with posts from folks who've needed complete disc & pad replacement after sometimes as little as 12 months/10,000 miles. I did this shortly after both my cars were delivered new; on the Panda, the front pads & discs worked faultlessly for 49000 miles before needing replacement due to normal wear. The 500 is now over 6 years old and about 34,000 miles; it's still running the original pads & discs.
The setup on those cars with rear discs seems to be the most problematic of the lot in this regard.
Pragmatically, on a car out of warranty, getting the whole lot cleaned & lubricated by someone who knows what they're doing is likely to be the easiest way of resolving your problem. Better still, do it yourself - it might not cost you anything at all if the parts are still good enough to reuse.
I welcome technical innovation - I don't want to go back to the 1950's -
providing it's implemented using parts of sufficient quality to last the expected life of the product.
IMO the real problem is that the manufacturer's relentless drive for cheapness means these solutions are implemented using parts that are prone to premature failure and expensive to replace.