I had the same problem.... and after months of research i came across this post which helped me, and i would like to share with you my way of doing things using an interface, im not so much a "Comand Prompt" kinnda guy, i like to see what i do...
I got my laptop and was quick to wipe everything, to make things my way; a dualboot of XP & Vista... but now that im selling my laptop, i wanted to restore the factory settings.... but on F10 nothing NTLDR is missing...
the previous post shared a way to recover the BCD; but from what i saw, it was unchanged on the hidden "restore partition" and no backups were made..
So first i needed to see my hidden recovery partion, to do that you can use "disk managemnt" on
vista &
xp, but i used
paragon partition manager you will need to assign a letter and unhide the partition (by rightclicking on the partition). Now you can access the restore partition, but even in vista you cant just run the restore utility proccess off it, it still ask for the recovery disks... but whats improtant is that now you now access the boot folder with the bcd file in it, which was previously mentioned.
Next: we need to download another program
EASY BCD which is free..

in the easy bcd go to the tab
bootloader, and browse for the bcd file on your restore partition ..:/boot/bcd and hit the
Restore Backup button....
...RESTART
Now you're booting from your restore partition.... It will format your C: partition as expected, so just save all your own files... & dont forget to make some restore disks this time...
I tested it on
Sony Vaio VGN-FZ38m
p.s.thanks for the input guys! really appriciate it.
p.p.s. spread this info other same problem forums, im sure people will apriciate it... i would of a few months back for sure!