In a previous thread where I had that banging problem the next time I used the car after washing the car and putting it in the garage straight after.
I received lots of useful replies all from the forum concerning moisture causing the steel of the disc to oxidize and jam in the narrow gap between disc and brake pad.
The next time it happened I examined the discs immediatly before driving and there, clear to see, was a disc pad shaped patch of very course 'rust' which was rubbed off during the journey.
