System Restore Not Working

So, anyone have any idea what is wrong or how to help me?

>>>Ok, out of no where my System Restore stopped working.
>I
>>>woke up yesterday and wanted to create a restore point
>>>and couldn't. I cannot create a restore point nor can
I
>>>restore my comp to an earlier date. None of the
>>>highlighted dates and restore points work. I just keep
>>>clicking NEXT and nothing happens. I tried to do the
>>>right clicking on the sr.inf file and hitting install
>>but
>>>it asks me to insert my Windows XP disk so that it can
>>>get a file it needs from the disk. Problem is, I have
>no
>>>Windows XP disk because supposidly, my manufacturer
HP,
>>>told me that Windows XP already comes installed on my
>>>comp and if I ever need to restore my comp to just hit
>>>F10 on start up and it would restore my comp back to
>>>factory. They said I don't need a Windows XP disk
>>because
>>>everything I need is already on the comp. So, how can
I
>>>restore System Restore without a disk? And I do not
>want
>>>to have to restore my entire comp and lose everything
I
>>>have. I have:
>>>
>>>Windows XP Home Ed.
>>>80 Gig HD
>>>512 RAM
>>>2.4 Pentium 4 Processor
>>>No viruses, worms, etc. Was already scanned and
checked
>>>for such things. No spyware or adware either.
>>>Also did a defrag and a deep scan disk.
>>>
>>>Thanks.