Has this Net Operation Loss become worthless??

Odd situation here, afraid I may have lost $16,000 worth of a useable NOL credit. Can anyone offer any hope?? In 2002, I had a NOL of about $16,000, due mostly to unexpected expenses in my small business. I usually prepare my taxes myself, using Turbotax, but since I wasn't sure what to do with the NOL, I decided to take them to H&R Block and let them do it. I didn't get around to actually FILILNG the tax until August 1 of 2005 (I had not filed for any extension on it, by the way). Not knowing any better, I assumed that the NOL would automatically be applied in some way that I would get credit that I could use on future returns. Not long after I filed that tax in 2005, I was hit with a number of personal issues that demanded my attention so thoroughly that I completely forgot that I should have some credit coming to me, in some form or other (I wasn't aware of the carry-back rules for NOLs). NOW, 5+ years after the initial NOL, I find out that although H&R Block completed the Schedule A of the NOL form (where the *amount* of the NOL is calculated), they did NOT fill out the Schedule B part, where the NOL gets applied back to previous tax years. I have started reading up on the situation, and have this sinking feeling that the NOL is completely worthless at this point because, as I understand it, the Schedule B part should have been filled out and applied to earlier taxes within 3 years of the due date of the 2002 taxes - ie, by April 15th of 2006. Does anyone have any ideas how I can rescue this NOL credit? I'm immensely grateful for any input here. I asked one person, and they said go ahead and try to file it now, carrying back the NOL to the year it would have gone back to if I had filed on time. Unfortunately, carrying it back that far would make it apply to tax years that are too old to amend and receive credit for, I believe. Crap. Any suggestions??? If the NOL is unueseabIe at this point, I wonder if H&R Block could be considered legally negligent, by neither completing the Schedule B part of the Net Operation Loss worksheet, nor telling me that I needed to do that to be able to use the credit the NOL generated. Any ideas about this???