Sorry, but I'm not aware of any current vehicle that will allow you to change the brake pads without removing the road wheels, as generally the caliper holding the pads is immediately behind the wheel and there is no other access. (Some exclusions to this - like E-type Jag where the discs/pads are "inboard" not behind the road wheels).
Does seem an odd question though - why do you ask? Got locking wheel nuts and lost the key?? Have a jack phobia??
Thank you Zax. Its not a phobia - I recently took the car to a local garage for the pads to be replaced and it was only when i got home I noticed that the wheeltrims hadnt been removed (I have put cable ties round them)
I think I will go and have a chat with the garage owner!