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Hi there. A MF 65 has disc brakes. On each side there is 2 discs. The disc consists of a steel plate with inner splines that goes on the axle shaft. There is holes in the plates, and the brake material is riveted to the plates on each side of it.
In the middle between the two plates there is 2 thick steel plates, forged I think. Between those plates there is 5 ball bearing balls... just the balls. The are placed in corresponding grooves in the plates. Then the 2 plates are put together, and to keep them in place they have 3 very short coil springs. These springs keep the plates as tight together as possible. The grooves in the plates where the balls are places is formed so that if you turn one plate the balls rolls in the grooves and press the plates away from each other. And when that happens, they press against the brake materials that spins around when the axle rotates. This is causing the braking. It is difficult to explain without any picture.
The problem you had with the brakes dragging can be cause by a rather common problem these brakes have. If you brake a lot, and they get warm, the hardening on the coil springs goes away due to too much heat. Then they slackens, and they do not keep the forged steel plates close together. When you hit the brake pedal a little, the brake material touches the forged steel plates, and they goes on by themselves, and the coil springs is not longer strong enough to drag them away from the braking material. And they will be dragging. So, if you want to overhaul the brakes, you will at least need new coil springs, and they are very cheap and easy to replace once you have it apart. The bearing noise, I have it on my MF 65 too.. on the right side. It lays in the planetary reduction gear, and that is not so easy to repair. You need a shop manual for it, and you need a large hydraulic press, new bearings of course, and you need to shim it up correctly. Rather tricky. An MF dealer will do it for you too.
Bill
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