And that's the best next step. Anything I say in this regard is largely theoretical, as it's not very likely to happen.
Well, no. "Shafted" is a rather loaded term.
But it does imply that after six months, the onus is on you, yes.
First thing to bear in mind is that with any of this consumer protection legislation, the ultimate responsibility for resolving an issue "fairly" lies with a court. That, I'm afraid, will be the ultimate arbiter. And that implies that both sides will have certain duties and responsibilities, but must also meet a certain burden of proof.
Unlike criminal trials, where it's an accuser and a defendant and the burden of proof is "beyond reasonable doubt", with a civil case (which is what these cases are), there's simply two opposing sides and the burden of proof is 'balance of probability'. But the courts also tend to lean towards the consumer, on the basis that the business not only has greater resources but is expected to have greater expertise.
Finally, a factor that tends to be very influential on courts is that each side is expected to be reasonable in everything they do. You are, essentially, expected to take all reasonable steps to avoid having to drag issues like this to court. That means not standing on your high horse and demanding every last penny you think you're entitled to, but instead, seeking a reasonable settlement. It also means trying, fairly hard, to keep it out of court in the first place, rather than jumping to legal recourse at the first hint of disagreement.
But it binds both sides that way. And courts have a way of punishing the side they consider to be acting unreasonably. If, for instance, the court felt that fair compensation for a card was it's current replacement cost less 10% for the use derived, and the current replacement cost was £200, they'd expect an offer of around £180 to be forthcoming.
If, then, the retailer/manufacturer offered £25, that would probably be seen as grossly unreasonable, and the court would go some way towards punishing the retailer/manufacturer in the award. They might, for instance, grant relief for expenses incurred that they normally wouldn't, like your petrol costs for getting to court and the cost of your lunch while there.
If, on the other hand, that "fair" value was assessed at £180, and you turned down £175 and took it to court over a fiver, you might well get your £180 ..... and no costs.
But, by and large, the courts seek to come up with a resolution that is "just". If both parties act reasonably, and simply have a difference that isn't reconcilable (both parties feel they're in the right) the courts tend to find on the side of the party they agree with, but not to punish the other side. Given that, provided you are reasonable in everything you do, provided to take all reasonable steps to reach an agreement, providing you take all reasonable steps to mitigate any costs or expenses incurred, then it's likely that you'd get a fair value for the card and, if the court finds in your favour, the costs incurred too .... such as the fee for the engineering report.
Essentially, it boils down to whether you are in the right, in the view of the court. If you are, and they feel the retailer should have replaced the card or offered a "fair" value and didn't, then the engineering costs are only incurred because they didn't live up to their obligations, so it's only "fair" that they pay them.
It's just that there's no guarantees. If you choose to take the route of court action, that might well imply an engineering report. If the court then finds against you, the implication is that the retailer acted fairly and met it's obligations. Why should they then have to pay for the report? If that were the case, you'd have nothing to lose by commissioning the report.
So while you're likely to have to bear the burden of time and effort incurred (because you're not likely to get paid for those), expenses incurred are another thing. You take the risk that they won't be reimbursed, but if you win, it's likely they will. Oh, and even on the aspect of time, if you incur costs in terms of lost wages for the day you go to court, it is certainly in the remit of the court to reimburse you for that, and if they think the other side are unreasonable it does happen. And they do, for a certainty, do it when they feel it's justified
This whole process is about a fair balance. The courts should ensure you don't get "shafted" ..... but that doesn't mean you'll get everything you want, or that they'll agree with your view of what "shafted" consists of.