Had the exact same problem with my 104. I used some PB Blaster on it (drive shaft assembly along front and back of clutches) and let it soak overnight. The next day I sprayed it again, worked it several timesand it ran like a new one!
Cub Cadet 123
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Still don't know what I'm doing in OHIO?.....If you find me, then please point me back toward INDIANA. 
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