So in Kindle Previewer you see your NCX TOC but the Physical TOC doesn't open? It looks like you used your Guide feature in MobiPocket, but did you link it correctly? "yourbook.html#TOC" or whatever you named your TOC.? That's pretty simplistic but I had to ask.
I format my books in Word, but no longer use MobiPocket... Calibre for both the epub and mobi generation. Both NCX and TOC work beautifully.