WinXpert means - Open your PC, disconnect your HDD and connect it in place of the DVD/CD drive of a friend's. You can often do this without actually taking the HDD out if the cables will reach. There can be other problems like is the donor PC DVD/CD drive set as master or slave.
Once your HDD is visible in your friend's PC when started in safe mode, Chkdsk is a built-in program you can run from the 'Run' window which will check your HDD for errors like so - chkdsk D: /f assuming D: is the drive the friends PC sees your HDD as.
Actually, all this is easy once you know how, but since the words used so far mean little or nothing to you, it is probably time to seek more experienced help. For example, the reason your install Cd will not work is because your PC has to be informed to actually boot off it - this can require a setting to change (temporarily) in the bios, or can be an option accessed by a special key during boot up - often F12.
One other thing - is your PC a laptop or not, beccause if it is, you would also need a special drive adapter to do this. Very cheap, but still has to be aquired.