Harbor Freight Fuses

(It was a 10Amp circuit, but it had a 15 amp fuse, carrying a 20Amp load).

Would you not expect problems to start with by using a 15 amp fuse in a 10 amp circuit? Are you sure the owner didn't wrap a wire around a blown fuse? I would never use HF fuses anyway but this seems like it was likely the owners fault too.

The picture isn't clear enough for me to see the actual blades of the fuse and any connectors that may be present.