It could still be handbrake shoes chafing, there's a known fault where the linings come un-bonded from the metal shoe, can cause this and other problems, and backing off the adjustment won't solve it.
Only way to find out is to whip off the disks and have a look - you can check the rear calipers and pads while you're at it of course. Not a difficult job.
Well worth checking this, as if I'm right then the linings could become completely detached and cause jamming, binding or overheating even going forwards, and it'll fail an MoT brake test too - these handbrakes are a bit marginal even when in good nick.
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