Invalid to rectify the '0' on your NDL, and how long ago it stopped counting down.
OK. I understand what you're talking about. Once the dive computer (DC) counts the NDL time remaining to zero the DC will start calculating the time needed in minutes at the shallowest deco stop, and you are at that point making a deco dive. The DC after some short delay will then show your stop depth with the time to stop. So, you are correct in that there is nothing you can do to go back to an NDL dive.
Just so we are on the same page, an NDL (no decompression limit) dive does not require any stops to decompress. The diver can go directly to the surface at a safe ascent speed of 30 ft/min (10 m/min). A deco dive in contrast, requires the diver to make stops for a certain amount of time at 10 ft (3 m) increments from the surface. This time spent at stops allows the tissues to off gas at a safe rate in order to ascend to the next shallower stop if one is required, or to finally ascend to the surface.
All of the boat charters I have been on are for recreational dives only, i.e. no deco. On some of those charters the captain sets a bottom time limit or will specifically state to be back on the boat with 500 psig (30 bar). On a few of those charters, where the first dive was deep, the captain emphatically said to watch our NDL. Most recreational divers with limited experience (<50 dives) will be gas limited as opposed to NDL limited where their gas consumption is too high to permit staying too long at depth and slipping into deco. But, I've seen it happen.
Since most boat charters are on a more or less fixed schedule, i.e. 2 dives in the morning and back at shore for lunch to reload the boat, the crew will be pissed if you go into deco. First, you are putting your safety at risk and possibly subjecting the crew to cancelling the second dive because they have to get you back to shore if you show DCS symptoms, and this will make for some angry customers. Second, you may be putting your buddy at risk if he feels the need to stay with you. Third, the extra time the crew and customers have to wait for you to complete your deco will not keep you in their grace, so expect to get a tongue lashing back on the boat and angry/disgusted looks from the other divers.