someone is looking out for you, and He is very high ranking. I took a VERY long ride today to meet-up with a friend from Modern Vespa. Jim is a friend from the forum and he live is London, England. He is visiting a friend in California. Since he was coming, he said he would bring me something from England I could not find in the states. Well, I decided today I was going to ride the 85 miles or so and meet him in person and pick-up my item. The three of us yakked for two hours... non-stop.
Later as I was riding home... a hundred plus mile ride home... I stopped in at a grocery store to make a phone call to let my wife know where I was. I then bought a drink and snack. I took these out front and sat at the provided table. I was near my scoot and this guy walked up and asked if it was mine and did I live in town. Yes, it's mine, No, i don't live in town but I bought it here in 2008. Come to find out the guy is the local Kymco dealer for this college town and this was the scooter he had bought for his wife.
Ok... now the good part for you.
I asked him about your grinding noise.
He said it is common and simple to fix. You need to be sure that when you place the axle in the wheel and you tighten the pinch bolts on the axle, that you make sure the fork tube with the brake caliper mounting plate is rotated so that the caliper body, brake pads, and brake disk are all in alignment and that the axle is fully installed before you fully torque the pinch bolts. If the fork tube is not correctly aligned or the pinch bolts on the axle are made tight and then the axle is torqued in more, the brake mounting plate twists and grinds against the brake disk.
If the fork tube is installed misaligned, when you squeeze the brake handle, the brake pads pull in, the fork twists into the correct alignment, the caliper body moves away from the brake disk and the grinding stops.