Hi, Roger - - -
At least into the 98 models, there was an ongoing problem with the
spring saddles in the rear of the wagons, XC's in particular. This was
a matter of the saddle not being installed in proper orientation to the
spring, so it made an assortment of noises, some under the conditions
you mention.
Not having experienced the problem on our 98 XC, I didn't need to pursue
the matter and so don't know what was required to make a "for sure"
diagnosis and to resolve it. It seems to me that if you have access to
a portable ramp (such as for oil changes), raising just one side might
tell you something - your trusted assistant backing up onto the ramp
whilst you listen for the noise from along side the vehicle. I believe
that this was a situation addressed by Volvo via their Tech letters to
Dealers. You might inquire of your friendly Dealer . . .
bob noble
Reno, NV, USA