Hi,
I have encountered something like this on some 3.5" mechanisms. I found that the mechanism was in the position it would be if a disk had been inserted, and the mechanism was gummed up enough to hold it there. In that position, the mechanism will not allow you to insert a disk, even though it is actually empty. I disassembled the case to get the mechanism exposed and through cleaning, and many, many repetitions of manually coaxing the mechanism to move from one position to the other, sometimes applying light coats of sewing machine oil onto the moving surfaces (but well away from the head or anywhere where the disk will eventually touch) I finally got the mechanism freed up to operate properly again.
It's possible that is what you might be facing.
Good luck!
smp