brakes, I hear a loud grinding noise

Have you checked the brakes to see if the linings are grinding metal-on-metal?

If it is grinding metal to metal, why not on neutral when coming to complete stop, only when Im on gear using clutch...

Gotta ask because many people don't make the connection between the noise and braking.

There is a tool you might be able to borrow or rent from an auto parts store that borrows them called the "Chassis Ear". It is a set of six microphones, a switch box, and headphones. You clip the microphones to suspect points, then drive around while listening with the headphones. You can move the microphones around to zero in on the source of the noise. Be aware that many mechanics have never seen or even heard of this tool. Suspension and alignment mechanics use it to find rattles, squeaks, and other noises.