hi there,
my '98 honda civic has been giving me much problems recently. hope u guys can help me out on this.
1) When i am carrying a full load, (i.e 3passengers plus me) there is a squeaky sound each time i drive over uneven roads, and even at humps where i slow down so much that i am barely CRAWLING over them and there is still a squeaky "kkkkkkarrrrrraaaccchhh" I suspect that the problem is with either the suspension or the ball joint.
If the shocks are ok.. then I suspect the suspension has been modified.. Lowered.. and likely by cutting the springs (cut springs cannot sit properly thus the squeaky sound). Also, check the bushings.. damaged bushings can make that kinda sound also. As for the "kkkkkkarrrrrraaaccchhh" sound.. ur undercarrage scraping the hump!I had the car jacked up and found that the rubber casing enveloping the ball joint has been torn, but the mechanic told me it is not of utmost importance. Is this true? He also bounced the car up and down a few times and said the suspension was fine. Therefore he could not solve my problem and it still persists, on and off. Can anyone tell me what is wrong?
Change Mech!2) The brakes also make weird crunching noises the moment the car stops completely, and when i release the brakes to accelerate. This problem also intensifies with load. What is wrong here?
Check ur disk and pads.. sometimes the disk is old and nolonger even. Find a new Mech and get him to check. I dun believe there are things that cannot be resolve.. comm'on.. its a HONDA! 
Sorry long post but pls help me out. This musical mobile is really irritating the shit out of me and my passengers. Thanks.