The question is does the MCB protect cable or appliance? ...
If that is the question, then the answer is very simple - since there appears to be no doubt that, as far as BS7671 is concerned, it is there simply to protect the cable. As you are aware, the only requirement is ...
BS7671:2018 said:
433.1.1 The operating characteristics of a device protecting a conductor against overload shall satisfy the
following conditions:
(i) The rated current or current setting of the protective device (In) is not less than the design current (Ib) of the
circuit, and
(ii) the rated current or current setting of the protective device (In) does not exceed the lowest of the current carrying
capacities (Iz) of any of the conductors of the circuit, and ...
In other words, as usually expressed, the requirement is "Iz ≥ In ≥ Ib", without any qualification anywhere. Hence, say, a dedicated circuit consisting of 6mm² cable protected by a 40A MCB supplying a hard-wired load of 0.1A would be totally compliant with BS7671 (even if silly).
BS7671 says nothing about OPDs protecting connected equipment and, if you think about it, it couldn't. For a start, as often discussed here, if a piece of equipment needs over-current protection, that should be provided within the equipment. Even if that is not done, there is no way that BS7671 could know what level of protection (rating of OPD) was required by any particular piece of equipment, so t could not specify any requirements,
As far as I was aware a C1 should be corrected before the inspector leaves, even if simply locking off the circuit, 28 days is for C2 or F1.
As has been said many times before, if an inspector has been engaged to just 'inspect' (and test), that is all that he/she can do. Desirable though it might be for a C1 to be rectified immediately, if someone engaged only to inspect undertook work on the installation (let alone 'locking off a circuit', or the whole installation) without appropriate authorisation from the owner of the installation (and, worst of all, if the owner of the installation 'forbade' such interference), then I think that person would be on the wrong side of the law.
Even the "28 days" (for C1, C2 and F3) only exists in relation to the recent 'PRS' legislation. In general, there is no obligation on a person who commissions an EICR to take any action with regard anything 'coded' on an EICR, ever.
There has always been a problem where inspectors have got it wrong, ...
Indeed, and I think the situation is much worse now - since, in some contexts, complying with the 'requirements' of an EICR (as you say, within 28 days) has become required by law. Prior to this new legislation (and still, other than for 'PRS' properties), if one did not like or agree with the findings in an EICR, one was always free to simply ignore it.
As I said recently, given that those undertaking inspections for the purpose of this new legislation now have the 'power' to require (enforceable by law) that certain works be done, I think what we need is a situation in which people undertaking inspections for that purpose have to be 'licensed ' so to do, for there to be an effective appeals/grievance procedure in place, and for those who are shown to have incorrectly 'required' that unnecessary 'remedial' work should be done should have their licences revoked, for life.
Kind Regards, John