Rear Brake binding?

A long explanation is in my other post;

http://www.ukmonster.co.uk/monster/s...0&postcount=26

But after my first journey today, the bike came to a shuddering halt, couldn't move it even when in neutral, looks like the rear brake could be binding? Can some one tell me where the rear brake reservoir is located?

Also would lack of fluid cause the brake to stick or is it to do with the adjustment of the caliper itself?

I could push the bike after a few minutes after it had first stuck so i don't think it's an egine/clutch mechanical failure, any ideas?

Also, is this a garage fix, or could I try topping up and bleeding the brakes myself?