Got To Glow

The laptop died with the fan still spinning: black screen, charger light on. The retailer's reply ran to one line, take it up with the manufacturer. That refusal feels final. It isn't. The card you paid with may owe you the money when the shop won't, and your chargeback rights are older and tougher than any returns policy.

My rule with a dead gadget: settle the money first, the machine second.

Can I do a chargeback if the seller refuses a refund?

Yes, a refusal from the seller is usually the trigger for a card claim rather than the end of it, because US and UK law both let the card company stand in for a shop that won't pay.

In the US the route is the Fair Credit Billing Act. Its quality-claim section, 15 USC 1666i, lets you hold back the disputed amount on a credit card after a good-faith attempt to settle with the seller. The catch is price and distance, and both bite on a gadget ordered online from another state, unless the store issued the card. The FTC's guidance (as of 2024) is plain that debit cards get fraud protection, not faulty-goods rights. So anything costly goes on credit.

That is the payment-side sequel to who pays when a device fails after the maker's warranty and what bricked smart-device owners can claim from maker versus seller. Those settle who owes you. This is how you collect.

Britain goes further. Under Section 75, paying any part of the price by credit card, even a deposit, makes the lender jointly liable for all of it, says the Financial Ombudsman Service. A £50 deposit on a £1,200 laptop puts the full £1,200 on the card company. By my arithmetic that is £24 of protection per pound charged, and almost nobody uses it on purpose.

Four numbers decide whether a claim is worth starting: the FTC's US letter deadline, the ombudsman's UK ceiling, and two figures from Mastercard's 2025 State of Chargebacks survey of issuers and merchants, as summarised by Chargeback Gurus in June 2025.

The letter deadline is where people lose. It belongs to the billing-error route for goods not delivered as agreed, and its clock starts at the first statement showing the charge, not when the laptop died. Keep a dated copy; the issuer must then answer within fixed limits.

Chargeback rights in the US and UK, side by side

The UK protects a credit-card buyer more fully than the US does, because Section 75 has no distance test and covers part-payments, while the US quality claim carries price and location limits that many online purchases trip.

Read the left column first: rows run from qualifying to where you're exposed. US rows rest on 15 USC 1666i and FTC guidance; UK rows on the Financial Ombudsman Service.

In Britain, a credit card turns almost any gadget above the floor into a legal claim. In America, it depends on where the seller sits, unless a store card strips those limits away.

How long do I have to file a chargeback, and what sinks a claim?

Deadlines run from different dates: UK chargebacks count from delivery of the faulty item, US dispute letters from the first statement showing the charge, and neither from the day the device broke.

The chargeback is weaker than it looks. In the UK it is card-scheme practice, not law, and the ombudsman says your bank doesn't have to raise one. So I'd skip the usual advice to just call your bank: ask for a Section 75 claim by name, and keep chargeback as the fallback.

Does Section 75 cover purchases made through PayPal?

Often not cleanly. Section 75 needs a direct link between you, the lender and the seller, and the ombudsman says that link "isn't always straightforward" when a wallet sits in between. Chargeback is then your likelier route, and pay-later plans open a similar gap, covered in our guide to Buy Now Pay Later refunds on financed devices.

If the bank says no, complain formally. Once its deadline in the table passes, or it sends a final response, the ombudsman can order a refund plus interest, free. Lawyer Monthly's November 2025 guide notes a six-month limit from that final letter.

Watch for:

• A goodwill offer framed as final. Refuse it in writing if it falls short.
• Returning the device before photographing the fault.
• Seller emails that stall while your deadlines expire.

Settle the money, then the machine. This week, send your card issuer a dated written dispute with the refusal and photos attached, naming Section 75 if you're in the UK. As for the laptop: replace it, don't repair it. A device that fails early and a seller that won't back it have told you what they're worth.

The Wemo Mini on the hall shelf still clicks when you press its button. Ask Alexa to turn it on and nothing happens: on 31 January 2026 Belkin shut the Wemo cloud and app, per its Wemo support page, killing remote access and voice control. That is a bricked smart device in 2026. It powers on. It just can't do its job.

Keep, repair or replace? The answer depends less on Belkin than on where you bought it, and when.

Who pays for a bricked smart device after the warranty ends?

If the maker's warranty has run out, Belkin owes you nothing, so any money has to come from statute: in the UK and EU that means the retailer, and in the US it usually means nobody at all.

Belkin's terms are plain: refunds only for products still under warranty on or after 31 January 2026, with proof of purchase. Past that, look elsewhere; it is the same split that decides who pays for a device failure in month 14.

Outside the US, the claim was never really against Belkin. The UK Consumer Rights Act 2015 (sections 9, 10 and 24) requires goods of satisfactory quality, durability included, and that duty sits with the shop. Article 7(3) of the EU Sale of Goods Directive 2019/771 goes further: the seller must supply the updates a buyer could reasonably expect, and retailers must now spell that out in the EU legal guarantee notice and its new label.

The US is thinner, and the stock lemon-law advice is out of date here. California's SB 898 would have required a disclosed minimum support period of at least five years, but the CalMatters Digital Democracy bill record shows it held in committee on 13 August 2026. No state law yet gives a US buyer that right.

Four numbers set your leverage, drawn from Belkin's Wemo page, the FTC staff review PIRG summarised in November 2024 (as of 2024) and the EU Cyber Resilience Act timetable.

That disclosure gap is the one US owners can use. The FTC said silence on support periods may breach the Magnuson-Moss Warranty Act and the FTC Act, so a missing end date is grounds for a free deception complaint.

Smart home end of support: US, UK and EU rights compared

The UK and EU give a buyer a claim against the retailer that can outlast the maker's warranty, while the US offers only the warranty itself and a possible deception complaint to the FTC.

Read the table by your receipt, not your passport: who pays first, then what you can claim, then the rules behind it.

The purchase cut-offs in the third row are our own arithmetic: each country's claim window counted back from the shutdown date. A US owner past warranty has no row that helps.

Do Wemo devices still work after 31 January 2026?

Some do: Wemo plugs and switches paired to Apple Home before the shutdown keep working locally, and the Thread models are unaffected, but everything else on the Wemo line-up lost its smart functions.

Survivors include the Mini Smart Plug, the Video Doorbell and the WLS0503 switch. Insight, Link and the Crock-Pot are replacements.

Where a refund claim against the shop falls apart

A retailer claim can fail for ordinary reasons: no proof of purchase, a device that was never paired locally before the cutoff, or a shop arguing that a cloud service was never part of what it sold you.

That last argument is the real grey area. No UK court has ruled on whether switching off an app makes a plug unsatisfactory, or none I can find. My view: for a device sold as smart, with the app on the box, a shop will struggle to call the app optional.

A plug on a dead app also gets no patches, the exposure covered in how to protect your smart home from cyber threats. The UK product security regime, per its gov.uk policy paper, makes makers publish a minimum security update period, so you see the end date before paying. It awards no refund, though.

• Find the receipt first; Belkin and the shop will both ask for it.
• Don't factory-reset an Apple Home Wemo; Belkin's list covers only devices set up before the shutdown.
• A private second-hand sale gives you no statutory claim against anyone.

So: keep, repair or replace? Keep anything on the Apple Home or Thread lists. Repair is off the table: nothing a screwdriver can reach is broken. Replace the rest, but first, if you're in the UK or EU and your receipt clears the cut-off, write to the shop this week asking for a price reduction under the Consumer Rights Act or EU directive, receipt attached.