Ford Mondeo 2010: Brakes worn down

Your experience is not unusual; it's quite common on European cars. Brake wear isn't normally covered by the warranty; it is lumped in with other things under the banner of 'wear and tear', which is why your claim has been rejected. However, if you apply a 'fair wear and tear' test it can hardly been said to be fair and I believe brake wear should be reconsidered and a 'fair and reasonable' wear rate should be applied to cars today.