As you note, without NTLDR, your system won't boot. This is a system file
(normally hidden from view). Just reload the missing file from your
system backup.
Let me guess: you don't have a backup do you? Suddenly, you appreciate
the advantage of a backup. But no matter, your problem is relatively
trivial.
Follow the procedure here:
http://tinyempire.com/notes/ntldrismissing.htm
and once you fixed it - back your PC up.
http://www.acronis.co.uk/homecomputing/products/trueimage/
is a perfectly useable product for home use. (I can't stop this being a
link - it doesn't go anywhere)