Unless you have fitted cheap Chinese bearings (or something similar) I think this rules this out!
It sounds like brake related from your description. Have you visually inspected the discs? There could also be crud/cr4p jammed in the brake setup! Given you have stated the discs are badly worn, I would repalce them and the pads for safety and to rule out the possibility!
It sounds like brake related from your description. Have you visually inspected the discs? There could also be crud/cr4p jammed in the brake setup! Given you have stated the discs are badly worn, I would repalce them and the pads for safety and to rule out the possibility!