NTLDR file missing

Had the file [ntldr] missing. After various attemps and methods to bring computer back on line ,but it just wouldn't log into the correct drive [2x180gb]. Tried rescue disc's , reinstall xp home disc , and other various ways. But finally formatted both drives and i just reinstalling everthing back. Just hope it never happens again . but reading all the posts on this it seems a common fault .